<![CDATA[This study investigates the influence of the Kaizen Project, lending, Letter of Credit (L/C), foreign exchange (forex), and capital structure on the profitability of PT Bank XYZ, using Return on Assets (ROA) as a performance measure. Employing a quantitative approach and multiple linear regression analysis with data from 93 monthly observations between 2017 and 2024, the findings reveal that the Kaizen Project, lending, and capital structure significantly impact profitability. The Kaizen Project enhances operational efficiency through process automation and work-life balance initiatives, while selective and well-controlled credit granting contributes to stable interest income. The capital structure, measured by the Debt to Asset Ratio (DAR), also influences profitability, indicating the importance of balanced debt usage. Conversely, Letter of Credit and foreign exchange transactions do not show a significant impact, suggesting limited contribution of fee-based income and mitigated exchange rate risks. The study highlights the relevance of strategic internal initiatives and prudent financial management in improving bank profitability, while also identifying areas for further exploration in banking performance research.]]>
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