Credit Factors affecting the ability of the profitability of commercial banks in the country. A board of 14 banks in the amount of education by the year 2544 - 2558, covering a period of 15 independent variables used in the study include the amount of loans that do not generate revenue. , the net interest income, non-interest income, operating expenses, loan quality. And total assets The variables include the ability profitability (ROA), which from this study. Were tested for statistical significance at the 5% test results found. Net interest income, non-interest income. And total assets The results are statistically significant. The ability of the profitability of banks in the amount of loans that do not cause revenue, operating expenses and loan quality. No statistically significant. If, regardless of the level of significance. It found that the amount of loans that do not cause revenue and credit quality. Has resulted in the opposite direction to the ability to make a profit. The study should further study, other factors such as interest rate deposits, the consumer price index (INF) and gross domestic product (GDP), which could be a factor affecting the profitability of banks. Thailand