This study aims to determine the factors that affect the profitability of commercial banks in Indonesia. This research is a quantitative research using a sample six largest banks with total assets under ICMD. The banks included in the sample in this study is that Bank Mandiri (Persero) Tbk., Bank Rakyat Indonesia (Persero) Tbk., Bank Central Asia Tbk., Bank Negara Indonesia (Persero) Tbk., Bank Danamon Indonesia Tbk., and Bank Pan Indonesia Tbk. The research data in the form of panel data obtained from the annual financial statements of the bank. Techniques using multiple linear regression analysis. The results showed that the variables of liquidity of banks, non-performing loans and capital adequacy simultaneously affect the bank’s profitability. The partial effect of liquidity and non-performing loans significantly influence the profitability of banks. While the capital adequacy ratio of no significant impact on the profitability of commercial banks in Indonesia
Keywords: Liquidity, NPL, Profitability, capital adequacy
