Penelitian ini bertujuan untuk menganalisis dan mengetahui seberapa besar pengaruh Efesiensi Operasional (BOPO), Net Interest Margin dan Fee Based Income terhadap Profitabilitas baik secara simultan maupun parsial yang dilakukan pada perusahaan Bank Umum Swasta Nasional Devisa yang terdaftar di Bursa Efek Indonesia.
Populasi dalam penelitian ini adalah perusahaan Bank Umum swasta Nasional Devisa yang terdaftar di Bursa Efek Indonesia. Data penelitian berjumlah 27 Bank sampel dengan tahun penelitian 2019-2023 yang dipilih menggunakan teknik purposive sampling sebanyak 15 Bank. Teknik analisis yang digunakan regresi data panel dengan menggunakan EVIEWS versi 12.
Hasil penelitian pengaruh BOPO, net interest margin dan fee based income terhadap Profitabilitas berdasarkan uji asumsi klasik menunjukan bahwa data yang tersedia telah memenuhi syarat untuk menggunakan model persamaan regresi data panel.
Hasil penelitian menunjukan bahwa tidak ada pengaruh secara simultan BOPO, net interest margin dan fee based income terhadap Profitabilitas Secara Parsial, hasil penelitian menunjukan bahwa Efesiensi operisioanal berpengaruh negatif terhadap profitabilitas, net interest margin tidak berpengaruh terhadap profitabilitas, dan fee based income tidak berpengaruh terhadap profitabilitas.
Kata Kunci : Profitabilitas, Efesiensi Operasional, Net Interest Margin, Fee Based Income

This study aims to analyze and determine how much influence Operational Efficiency (BOPO), Net Interest Margin and Fee Based Income have on Profitability both simultaneously and partially carried out at foreign exchange National Private Commercial Bank companies listed on the Indonesia Stock Exchange.
The population in this study is a Foreign Exchange National Private Commercial Bank company listed on the Indonesia Stock Exchange. The research data amounted to 27 sample banks with the research year 2019-2023 which were selected using purposive sampling technique as many as 15 banks. The analysis technique used panel data regression using EVIEWS version 12.
The results of the study of the effect of BOPO, net interest margin and fee-based income on Profitability based on the classical assumption test show that the available data has met the requirements for using the panel data regression equation model.
The results showed that there was no simultaneous influence of BOPO, net interest margin and fee-based income on profitability Partially, the results showed that operational efficiency had a negative effect on profitability.
Keywords: Profitability, Operational Efficiency, Net Interest Margin, Fee Based Income