Abstract
Good bank performance can be seen from the value of profitability. To produce good performance, the bank does not escape the risks that will occur, capital adequacy, and operational efficiency. Credit risk occurs due to the customer's failure to fulfill its obligations. Capital adequacy is a policy or regulation of a company or bank in handling its capital. Operational efficiency is a smaller cost incurred to generate profits than the profits derived from the use of these assets. The data analysis used is panel data regression. The population is banking from 2019 to 2021. The results show that operational efficiency as proxied by BOPO has a significant effect on banking financial performance as proxied by ROA. Meanwhile, credit risk as proxied by NPL and capital adequacy as proxied by CAR have an effect but not significant to ROA
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