ABSTRACT This study aims to analyze (1) the effect of CAR on Non Performing Loans (NPL) (2) the effect of LDR on Non Performing Loans (NPL) (3) the effect of BOPO on Non Performing Loans (NPL) (4) the effect of the BI Rate on Non Performing Loans (NPLs). The population of this study are conventional banking companies listed on the Indonesia Stock Exchange for the 2018-2021 period. In this …