This research aims to determine the effect of Capital Adequacy Ratio (CAR), Residential Property Price Index (IHPR) and per capita income on NonPerforming Loans (NPL) at PT. Bank Tabungan Negara (Persero) Tbk in Indonesia for the 2014-2023 period. The data used in this research is secondary data in the form of a time series. Secondary data was obtained from official publications, namel…