This research aimed to clarify the importance of diversifying banking bank clients in raising capital adequacy, which leads to stability in the banking sector, where capital is the first line of defense for banking banks in the event of losses. In the hypothesis test, the research readied the following results There is a positive relationship between the diversity of customers and the capital adequacy ratio of banks. There is a positive relationship between financial leverage and the capital adequacy ratio of banks. There is no, positive relationship between cash liquidity ratios and the capital adequacy ratio of banks. There is no, positive relationship between profitability ratios and the capital adequacy ratio of banks.