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Purpose: This paper aims to conduct academic research in the field of banking financial institutions by the use of financial ratios such as capital, non-performing loans, liquidity, and profit ratios at Rural Banks in Indonesia. Approach/Methodology/Design: The study covers all conventional rural banks in Indonesia using SPSS IBM 26 to determine the effect of capital ratios, non-performing loans, and liquidity on profits, before tax and after tax. The data used is secondary data based ondoi:10.35808/ijeba/587 fatcat:q3ia3guvgzdg3gjfsp453ldyj4