<![CDATA[The goal of this study is to assess the impact of credit risk and liquidity risk on profitability with the level of operational efficiency as an intervening variable, at Conventional Commercial Banks Bank Group Based on Core Capital3 and Bank Group Based on Core Capital4 listed on the IDX in 2021-2024. Data obtained from secondary data from annual reports of financial institution companies listed in 2021-2024. This research method uses the SEM-PLS 4.0 analysis technique. This study's hypothesis is based on past research and a variety of supporting theories. The findings of this study show that credit risk (gross and net NPL) has no meaningful effect on profitability. Credit risk (gross NPL) has a positive and large impact on operational efficiency, whereas net NPL has no meaningful effect. Liquidity risk has no substantial effect on profitability, but it does have a positive and considerable impact on operational efficiency. The level of operational efficiency has a negative and significant effect on profitability. The level of operational efficiency has a negative and considerable mediating influence on profitability of both credit risk (gross NPL) and liquidity risk. However, operational efficiency has no substantial effect on profitability when compared to credit risk (net NPL).]]>
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