This study was conducted to determine how much influence financial ratios consisting of: Non-Performing Loans, Capital Adequacy Ratio, and Operating Expenses on Operating Income on profitability. In this study the method used is quantitative method. The population is a group of Bank Band Usaha Milik Negara listed on the Indonesia Stock Exchange for the period 2017 – 2021. The sample in this study was 4 (four) Bank Band Usaha Milik Negara selected using the purposive sampling method. The type of data used in this study is secondary data. The data collection method used is the documentation method. The model used is in the form of multiple linear regression processed with eViews 10 software. Based on the results of the analysis conducted, it was obtained that: Non-Performing Loans do not negatively affect the level of profit. Capital Adequacy Ratio has a significant positive effect on the level of profit, while Operating Expenses on Operating Income has a significant negative effect on the company's profit level.