<![CDATA[The objective of this research is to identify banking credit risk in Indonesia by examining three variables: Loan-to-Deposit Ratio (an independent variable), Non-Performing Loans (an intervening variable), and Return on Assets (a dependent variable). The sample size was forty-four banks that went public. The hypothesis-testing method employs path analysis. According to the research findings, banks that cut their Loan-to-Deposit Ratio (LDR) can reduce Non-Performing Loans (NPL) while increasing their Return on Assets (ROA). Meanwhile, statistical tests reveal that LDR has a negative but non-significant influence on Return on Assets, but NPL has a significant negative effect. Based on the study's findings, it can be concluded that credit risk remains high in the transition period following the COVID-19 epidemic, and banks must strengthen credit regulations to protect their capacity to earn profits. Furthermore, banks should develop digital-based service features to increase access and income.]]>
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