<![CDATA[Abstract: The type of research used in this study is quantitative descriptive, with the data collection method utilizing secondary data obtained through documentation of Annual Financial Reports and Annual Sustainability Reports from audited and published commercial banks throughout the period 2019–2023, accessed via the official website www.idx.co.id. The research sample consists of 13 commercial banks categorized under KBMI 3 and KBMI 4. The analytical method applied in this study is quantitative descriptive analysis, using linear regression and hypothesis testing. The research results have not yet identified which variables influence the distribution of green credit in the Indonesian banking sector during the 2019–2023 period. The findings indicate that the variables CAR (Capital Adequacy Ratio), BOPO (Operational Efficiency), LDR (Loan to Deposit Ratio), and NPL (Non-Performing Loans) do not have a significant effect on green credit (GCR) in Indonesia during the research period. On the other hand, for variables influencing bank profitability (ROA – Return on Assets), it was found that CAR, BOPO, LDR, and GCR have a significant influence, while NPL does not significantly affect bank profitability. Therefore, the conclusion of this study is that green credit (GCR) has been proven to significantly influence banking profitability in Indonesia during the 2019–2023 period. Based on these findings, the researcher recommends that banks in Indonesia improve the quality of their CAR, BOPO, and LDR ratios, as these factors have the potential to promote increased distribution of green credit, which is currently still relatively low. Keywords: Green credit, Profitability.]]>
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