<![CDATA[ABSTRAKBank sebagai lembaga yang dipercayai oleh masyarakat memiliki peran penting dalam sistem moneter dan menduduki posisi strategis dalam mendukung pertumbuhan ekonomi. Pelaku perbankan memahami bahwa dalam menjalankan berbagai layanan keuangan terlibat dalam bisnis berisiko. Oleh karena itu, bank selalu berupaya untuk mengelola dan meminimalkan risiko dalam operasinya, baik dalam konteks organisasi maupun entitas bisnis. Penelitian ini bertujuan untuk memahami dampak Non-Performing Loans, Return On Equity, dan Return on Assets. populasi penelitian ialah pada perusahaan perbankan yang terdaftar di BEI. Sebanyak 38 bank menjadi sampel penelitian, dipilih dengan teknik Purposive Sampling, selama periode 2021–2022. Analisis data dikerjakan dengan menggunakan SPSS versi 29, melibatkan beberapa metode seperti analisis deskriptif, uji multikolinearitas, uji heteroskedastisitas, uji autokorelasi, uji regresi linier berganda, dan uji signifikansi parsial (uji t). Hasil statistik mengatakan bahwa Return on Assets (ROA) tidak berdampak pada likuiditas. Di sisi lain, Return On Equity (ROE) mengindikasikan berdampak positif serta signifikan pada likuiditas perbankan, menandakan kontribusinya terhadap pertumbuhan likuiditas. Sementara itu, Non-Performing Loan (NPL) tidak berdampak pada tingkat likuiditas. perbankan.Kata Kunci: Likuiditas, ROA, ROE, dan NPLABSTRACTBanks as institutions trusted by the public have an important role in the monetary system and occupy a strategic position in supporting economic growth. Banking players understand that in carrying out various financial services they are involved in risky business. Therefore, banks always strive to manage and minimize risks in their operations, both in the context of organizations and business entities. This research aims to understand the impact of Non-Performing Loans, Return on Equity, and Return on Assets. The research population is banking companies listed on the IDX. A total of 38 banks were the research sample, selected using the Purposive Sampling technique, during the 2021–2022 period. Data analysis was carried out using SPSS version 29, involving several methods such as descriptive analysis, multicollinearity test, heteroscedasticity test, autocorrelation test, multiple linear regression test, and partial significance test (t test). Statistical results say that Return on Assets (ROA) has no impact on liquidity. On the other hand, Return On Equity (ROE) indicates a positive and significant impact on banking liquidity, indicating its contribution to liquidity growth. Meanwhile, Non-Performing Loans (NPL) have no impact on liquidity levels. banking.Keywords: Liquidity, ROA, ROE, and NPL]]>
