Pengaruh resiko kredit terhadap profitabilitas bank (Studi pada Bank Mandiri, Bank BNI dan Bank BRI)

This research is motivated by Credit Risk and Profitability that occurs in National Banks, namely Bank BRI, Mandiri, BNI 2012 - 2021. study analyzes the effect of credit risk using Non Performing Loans (NPL) while profitability uses Return On Assets (ROA). ). The method descriptive quantitative with observations analytical techniques used are classical assumption test simple linear regression test. data secondary obtained from financial statements Mandiri BNI. sample this amounted to 30 samples 3 national banks a total period 10 years for each bank. results showed there was an influence variable on (ROA) 0.729 or 72.9%. T shows NPL has significant negative ROA hypothesis accepted. If rises, it will reduce profitability. novelty comparisons several latest observation 2012-2021.