Daftar Isi:
  • Bank is a financial institution that accepts deposits from the public and creates a demand deposit, while simultaneously making loans. The aim of this study is to evaluation the effect of Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR) , Non Performing Loan (NPL), Adversely Classified Assets (ACA), Interest Rate Risk (IRR), Net Open Position (NOP), Operational Efficiency Ratio (OER), Fee Based Income Ratio (FBIR) toward Return On Assets (ROA) simultaneously and partially. The period of this study 1st trimester of 2015 until 4th trimester of 2019. This study used purposive sampling and the sampels are PT Bank Capital Indonesia, Tbk; PT Bank China Construction Indonesia, Tbk; and also PT Bank QNB Tbk. The result of this study revealed that LDR, IPR, NPL, ACA, IRR, NOP, OER& FBIR have a significant effect for ROA simulataneously. LDR, IPR& FBIR have the positive insignificant effects on ROA partially. NPL, ACA, IRR, NOP have the negative insignificant effect on ROA partially. OER have the negative significant effect on ROA partially. The most dominant effect is OER. Keywords : Bank, ROA, LDR, IRR, OER