This research examines the influence of credit risk (NPL), market risk (beta), and liquidity risk (LDR) variables on bank profitability (ROA). This research uses a quantitative approach with a sample of 20 banks. According to this research, credit risk and market risk contribute to profitability. There is a negative and relevant influence between credit risk (NPL) and market risk (BETA) on profitability (ROA). Banking entities need to minimize credit risk and market risk in order to increase profitability.
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