ABSTRAK Mila Fitria (41183402180034) Pengaruh Capital Adequacy Ratio, Non-Performing Loan, Biaya Operasional Pendapatan Operasional Terhadap Profitabilitas Bank BUMN di Masa Pandemic Periode 2019-2021 XV + 82 halaman + 20 tabel + 1 gambar + 1 grafik + 14 lampiran + 2022 Kata Kunci: Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Biaya Operasional, Pendapatan Operasional (BOPO), …