<![CDATA[This study quantitative research aimed at determining the influence of third-party funds, credit distribution, interest rates, and inflation on profitability (an empirilah study on conventional banking companies listed on the Indonesia Stock Exchange for the period 2020– 2024). The phenomenon of trade wars in recent years between major world powers has not only affected the international economic and trade sectors but has also had an impact on the profitability of the banking sector. This research uses a quantitative associative method, and data collection is conducted using secondary data. The sample consists of 39 companies with a total of 195 data points, and the sampling technique used is purposive sampling, assisted by SPSS22 software. The results of the study show that the variable of third-party funds has a significant effect on profitability, credit distribution has a significant effect on profitability, interest rates have a significant effect on profitability, while inflation has no effect on profitability. This study reinforces the financial intermediation theory by demonstrating that third-party funds and credit distribution influence bank profitability. Additionally,the findings support macroeconomic theory, which states thatinterest rates play a role in determining bank financial performance. Thus, this research adds empirical evidence to the financial literature, particularly in the Indonesian banking sector, and is expected to serve as a reference for future researchers in understanding the factors affecting bank financial performance.]]>
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