This study aims to examine the factors that determine the capital buffer in conventional commercial banks operating in Indonesia. This study uses non-performing loans, bank size, return on equity, loans to total assets as independent variables, and capital buffer as the dependent variable. The population in this study was 38 conventional commercial banks that are still actively operating in Indonesia. The sampling method used the purposive sampling method according to the needs of the analysis

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... nd obtained 90 samples of observation data. The results showed that non-performing loans and loans to total assets had a negative effect on a capital buffer, while bank size had a positive effect. However, the return on equity has no effect on the capital buffer.