In the study, to measure the Third-Party Funds variable used DPK ratio, to measure the Credit Risk variable used NPL and NPF ratio, to measure the Market Risk variable used NIM ratio, to measure the Operational Risk variable used BOPO ratio, and to measure the Profitability variable used ROA ratio. The research method used was multiple linear regression analysis. The data were obtained from websites of the concerned banks. The data in the study were quantitative data, namely in form of financial statements of banking companies included in BUKU 2 category for period 2014-2017. Therefore, a number of 54 banks were obtained as samples. The sampling technique used in the study was saturated sampling. The study aimed to investigate the effect of third-party funds, credit risk, market risk, and operational risk on profitability in banking, especially on the banks included in BUKU 2 category simultaneously or partially.
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