Abstract
The research aims to determine the effect of credit risk, liquidity risk, and operational risk on profitability on Banco Nasional do Comércio de Timor-Leste (BNCTL). The method used is quantitative descriptive analysis. This type of data is secondary data sourced from bank BNCTL's financial statements for the period 2010-2018, consisting of balance sheet statements and loss / profit statements. In this study, researchers conducted observations on financial statemens data through annual reports provided by BNCTL for the period 2010-2018, thus getting 9 years of observation. After secondary data is collected and analyzed it tested using multiple linear regression analysis models. This analysis model consists of a normality test, an autocorrelation test, a multicollinearity test, and a regression model determination test. Based on the results of the analysis found that Credit Risk has no significant effect on profitability (ROA), Liquidity Risk has an effect on credit risk.
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