Analysis the Effect of Financial Performance Ratios on Profitability at PT. Bank Central Asia Tbk (BCA) 2018-2022

This article aims to analyze the effect of financial performance ratios on profitability at PT. Bank Central Asia Tbk (BCA).This article using a descriptive quantitative method with using 50 months data of financial statement from 2018 to 2022 years. Secondary data comes from the official website of the PT. Bank Central Asia Tbk (BCA). The data analysis technique uses the classic assumption test which consists of the data normality test, autocorrelation test, multicollinearity test and heteroscedasticity test by using multiple regression analysis methods and testing the coefficient of determination.The results of the study simultaneously show that profitability is proxied by Return on Equity (ROE) indicating that the ability of the independent variables including Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), and Operating Expenses Operating Income (OEOI) are jointly unable to afford affect the profitability variable proxied by Return on Equity (ROE). While partially it shows that only the variable Return on Equity (ROE) which is proxied by Operating Expenses Operating Income (OEOI) which partially has no significant effect. While the two variables Capital Adequacy Ratio (CAR) & Non Performing Loans (NPL) separately have a significant influence on Return on Equity (ROE).Based on the research we have conducted, we will provide suggestions to PT. Bank Central Asia, Tbk regarding the level of non-performing financing must be reduced and not exceed the limits set by the government. This will have an impact on achieving Bank Central Asia (BCA) profitability from an equity perspective, making it a major concern as a financial institution.