The Effect of Credit Risk, Bank Liquidity, and Capital Adequacy on Financial Performance at Conventional Commercial Banks Listed on the Indonesia Stock Exchange for the Period 2022-2024

This study “aims to analyze the effect of credit risk (NPL), bank liquidity (LDR), and capital adequacy (CAR) on financial performance (ROA) in conventional commercial banks listed on the Indonesia Stock Exchange for the period 2022-2024. The method used is quantitative with a causal approach and multiple linear regression analysis. The results showed that NPL had a significant negative effect, LDR had a significant positive effect, while CAR had no significant effect on ROA. Simultaneously, the three variables have a significant effect on financial performance. The findings confirm the importance of credit risk management and liquidity management in maintaining bank profitability, while the role of capital is more visible in the context of long-term stability.”