GAP Ratio, Posisi Devisa Neto, Biaya Operasional Pendapatan Operasional dan Profitabilitas pada Perbankan di Indonesia

This research intends to examine the factors that influence profitability of banking industry since, as a sector influences economic circumstances, has witnessed fluctuations in over previous decade. form study employs quantitative secondary data sources. The population this consisted all state-owned banks from 2010 2021. Multiple linear regression test and also hypothesis testing are employed study. Using descriptive statistics, technique analysis explains relationship between dependent independent variables. study's findings give empirical proof gap ratio BOPO have negative impact on ROA. Meanwhile, PDN no demonstrates validity theory asset-liability management (ALMA); maximizing earnings via risk-managing structure business's financial situation anticipated income theory; increasing bank liquidity optimize by offering efficient long-term lending.
 Keywords: Gap Ratio; Net Open Position (NOP); Operating Cost Income (BOPO); Profitability (ROA)