<![CDATA[This study aims to analyze the effect of liquidity, credit risk, and Capital Adequacy Ratio (CAR) on the financial performance of PT Bank Central Asia Tbk for the period 2021–2024. The study employs a quantitative approach using secondary data derived from quarterly financial statements published by the company and accessible through the Indonesia Stock Exchange (IDX). The sample consists of 16 quarterly observational data points. Multiple linear regression analysis with classical assumption tests was applied. The results indicate that the Loan to Deposit Ratio (LDR) significantly affects financial performance (t = -13.392, sig = 0.001). Non-Performing Loan (NPL) also significantly affects financial performance (t = 3.715, sig = 0.001). Capital Adequacy Ratio (CAR) significantly affects financial performance (t = -12.462, sig = 0.003). Simultaneously, all three variables significantly affect financial performance (F = 212.384, sig = 0.000). The Adjusted R² of 0.733 indicates that 73.3% of the variation in financial performance is explained by the three independent variables.]]>
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