<![CDATA[This study aims to examine the impact of the BI Rate, inflation, and the exchange rate on the profitability (ROA) of Bank BCA. An associative quantitative approach was employed using a dynamic Ordinary Least Squares (OLS) model that incorporates lagged dependent variables to account for profitability persistence (Yt-4) and quarterly seasonality (Yt-4). Quarterly data obtained from Bank Indonesia (BI) and Badan Statistik Indonesia (BPS) were used for the analysis. The results indicate that the three variables collectively explain 85.12% of the variation in Bank BCA's ROA; specifically, the BI-Rate (X1) has a significant positive effect on ROA, inflation has a significant negative effect on ROA, and the exchange rate has a positive but statistically insignificant effect on ROA. Furthermore, the two lagged variables confirm strong profitability persistence and seasonality, thereby validating the dynamic model specification.]]>
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