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Banks are financial institutions that are authorized to collect and distribute funds to the public. Banks must be able to maintain the stability of their financial performance. Research was conducted to determine the factors that affect the financial performance of banks. The research was conducted to determine the effect of loan to deposit ratio, non-performing loan and capital adequancy ratio on the financial performance of banks listed on the Indonesia Stock Exchange. This study uses secondary data, the source of data in research from financial reports or annual reports of Banking sub-sector companies obtained from the official website of the Indonesia Stock Exchange (IDX) for the period 2018 to 2022. The population of the banking sub-sector amounted to 47 companies. The technique used for sampling is non-probability sampling, namely purposive sampling. The criteria taken are companies that IPO before 2018. Therefore 37 companies were obtained. This study uses multiple regression analysis. The results of data analysis show that the loan to deposit ratio has no effect on financial performance, while non-performing loans and capital adequancy ratio have a negative effect on financial performance as measured using the return on asset (ROA) ratio.