Abstract :
This research aims to examine and analyze factors that influence the financial performance of digital banks listed on the Indonesia Stock Exchange (BEI) with an observation period of 4 years (2019-2022). The samples were selected using Saturated Samples. The sample obtained was 36 sample for the 2019-2022 period. The data was analyzed using the Multiple Linear Analysis Test tool with SPSS 26 software. The results of the research show that simultaneously the CAR, LDR, BOPO and NPL variables have a positive and significant effect on ROA. Meanwhile, partially the CAR variable has no effect on ROA. The LDR variable has a positive and significant effect on ROA. The BOPO variable has a negative and significant effect on ROA. The NPL variable has no effect on ROA.
Keyword: CAR, LDR, BOPO,NPL,ROA