<![CDATA[This study aims to analyze the effect of Capital Adequacy Ratio and Credit Risk both partially and simultaneously on Profitability at PT Bank Mandiri (Persero) Tbk for the period 2012-2022. This research method uses quantitative methods. The sample of this study is financial statement data in the form of balance sheets and profit and loss at PT Bank Mandiri (Persero) Tbk for the period 2012 to 2022. The data analysis used includes classical assumption test, multiple linear regression test, coefficient of determination test, partial test and simultaneous test. The results of this study based on the classical assumption test did not find variables that deviated from the classical assumptions. These results indicate that the available data has met the requirements for using multiple regression equation models. The t test results show that partially the Capital Adequacy Ratio has no significant effect on Profitability, this is evidenced by the tcount result is smaller than the t table (0.50412 < 2.26216) and the significance level (0.6278> 0.05). Credit Risk has a significant effect on Profitability, this is evidenced by the results of tcount bigger than ttable (2.454481 > 2.26216) and the level of significance (0.0397 < 0.05). And simultaneously the Capital Adequacy Ratio and Credit Risk have a significant effect on Profitability, this is evidenced by the results of Fcount greater than Ftable (8.385> 4.26) and the level of significance (0.011 <0.005), with a contribution of 59.6%, while the remaining 40.4% is influenced by other factors.]]>
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