LDR Ratio Research Articles

PENGARUH KEMAMPUAN MODAL DAN LIKUIDITAS TERHADAP KEUNTUNGAN PERBANKAN NASIONAL DI BURSA EFEK INDONESIA (BEI)

The capital market is one of the alternative sources of long-term funding for companies. These include companies in the banking sector. The Banking Industry plays an important role in economic development as a Financial Intermediary or intermediary for over-funding parties with parties in need of funds. One element that is very noticed by the bank is the performance of the bank, in other words, the problem of its health level. The level of health of a bank can be assessed in terms of its finances. A bank can be said to be healthy if it can meet the provisions stipulated by the regulations issued by the Central Bank. In conducting this research, the object that the author of the analysis is the banks listed on the Indonesia Stock Exchange as many as 10 banks, ten banks registered by the author took 4 state-owned banks yatu Bank Mandiri, Bank BNI 1946, Bank BRI, Bank BTPN while private banks include Bank BCA, Bank CIMB Niaga, Bank OCBC NISP, Bank Maybank, Bank Danamon and Bank Permata where the data used is secondary data for the period 2014-2019 obtained from the Indonesia Stock Exchange , which relates to this research. Based on calculations and analysis using car, LDR and ROA ratios that have been done by the author, it can be concluded that the banks taken as samples can be said to be healthy banks. Although the ten banks are classified as healthy banks, the banking sector has great potential and opportunities in its role as a source of financing for the community and business sector. Since the number of banks liquidated during the monetary crisis, Bank Indonesia has been more eager to restructure the banking sector, which is expected to create a strong, effective, efficient, and sound banking structure. The health of a bank can be assessed through qualitative approach to management factors and quantitative approach to capital factors, asset quality, management, rentability, and liquidity. This study aims to analyze the influence of capital and liquidity capabilities on profits in the National Banking System. The financial ratio analysis used consists of CAR, which represents capital capability, LDR representing liquidity and ROA representing profit. From the results of the study, CAR and LDR variables simultaneously affect roa variables, this is indicated by the P-value test calculation value of 0.017 is less than 5%, meaning there is a positive and significant influence between the two free variables (CAR and LDR) on bound variables (ROA)

Analisis Determinan Kinerja Keuangan BPR di Kota dan Kabupaten Tegal Tahun 2016-2020

The aims of this research are 1). to find out and obtain empirical evidence of the effect of BOPO on financial performance. 2). To find out and get empirical evidence of the effect of LDR on financial performance. 3). To find out and get empirical evidence of the effect of NPL on financial performance. 4). To find out and get empirical evidence of the effect of CAR on financial performance. 5). To find out and get empirical evidence of the effect of cash ratio on financial performance. 6). To find out and obtain empirical evidence of the effect of BOPO, LDR, NPL, CAR, and cash ratio together on financial performance. The research method used in this study is a descriptive method using a quantitative approach. The data collection technique that the author uses in this research is documentation. While the data analysis method used is descriptive statistical analysis, classical assumption test, multiple linear regression analysis, partial hypothesis testing, simultaneous hypothesis testing, and coefficient of determination. The results of this study are 1) There is an effect of BOPO on the financial performance of BPRs in the City and Regency of Tegal in 2016-2020. 2). There is no influence of LDR on the financial performance of BPR in the City and Regency of Tegal in 2016-2020. 3). There is no effect of NPL on the financial performance of BPR in the City and Regency of Tegal in 2016-2020. 4). There is an effect of CAR on the financial performance of BPR in the City and Regency of Tegal in 2016-2020. 5). There is no effect of the cash ratio on the financial performance of BPRs in the City and Regency of Tegal in 2016-2020. 6). There is a joint effect of BOPO, LDR, NPL, CAR, and cash ratio on the financial performance of BPRs in the City and Regency of Tegal in 2016-2020.

Analisis Tingkat Kesehatan Bank Umum Syariah Dan Bank Umum Konvensional Di Indonesia Berdasarkan Risk Profile, Good Corporate Governance, Earning And Capital (RGEC)

This study aims to compare health levels of Islamic Commercial Banks and Conventional Commercial Banks in Indonesia using descriptive methods. This study uses a measure of Risk Profile, Good Corporate Governance, Earning And Capital (RGEC), where the Risk Profile is measured using the NPL / NPF and LDR ratios, Good Corporate Governance uses the self-assessment results reported in the FSA, Earning uses the ROA ratio and Capital Using the CAR ratio. The comparison results show differences in the soundness of the Sharia Commercial Banks with Conventional Commercial Banks, which generally indicate that the soundness of Sharia Commercial Banks is healthier.

Analisa Kinerja Keuangan Bank BUMN dan Bank Swasta Berdasarkan Rasio Keuangan

This final project discusses the comparison of the financial performance of state-owned banks and private banks based on financial ratios in the 2015-2019 period. The financial ratios used consist of CAR, NPL, NIM, BOPO, ROA, ROE, and LDR. The data used in this study were obtained from published financial reports for 2015 to 2019 published by the respective banks. After passing the purposive sample stage, 4 state-owned banks and 9 private banks were obtained as samples in this study. The results of this study explain that there are differences in the financial performance of state-owned banks and private banks as measured by financial ratios. State-owned banks have better performance in terms of ROE, ROA, CAR ratios, while private banks have better performance in terms of NPL, BOPO, LDR ratios.

Pengaruh Rasio NPL, LDR, NIM, BOPO, dan CAR Terhadap Profitabilitas Bank BUMN di Indonesia

Abstract: This study intends to examine the effect of the ratio of NPL, LDR, NIM, BOPO and CAR on Profitability (ROA) in Indonesian State-Owned Banks. The sample taken in this study is a saturated sample, that is, all of the population of these banks are sampled, namely Bank Mandiri, Bank Rakyat Indonesia, Bank Tabungan Negara, and Bank Negara Indonesia with a period of 2016-2020 quarters I to IV. The analysis technique used is panel data regression using Eviews 10 software. The results state that simultaneously NPL, LDR, NIM, BOPO, and CAR have an effect on ROA with an effect of 99.2%. While partially the NPL and NIM variables affect ROA in a positive direction, the BOPO variable affects ROA in a negative direction, the LDR and CAR variables do not affect ROA at state-owned banks in Indonesia.
 Keywords: NPL, LDR, NIM, BOPO, CAR, ROA

KINERJA LEMBAGA PERKREDITAN DESA (LPD) BERBASIS BALANCED SCORECARD DI KECAMATAN KERAMBITAN-TABANAN

The purpose of this study was to determine the performance of LPD in Kerambitan District from a financial perspective, a customer perspective, an internal business process perspective and a growth and learning perspective. This research is a descriptive quantitative research in which it provides an explanation related to the performance measurement of the Village Credit Institution (LPD) of Kerambitan District by using the Balanced Scorecard performance measurement approach. The results of this study are the average ROA ratio of LPDs in Kerambitan District for 3 (three) years, namely 2017, 2018, 2019 is 2.60% and is categorized as healthy. The average BOPO ratio is 81.38% and is categorized as healthy. The average LDR ratio is 77.37% and is categorized as healthy. It can be seen that the LPD in Kerambitan District has good management capabilities in generating profits from the total assets owned, can perform cost efficiency from the income generated and show increased liquidity capabilities. From the customer perspective, LPD performance in Kerambitan District is assessed based on customer assessments with five indicators, namely the completeness of LPD facilities, LPD employee service, LPD employee alertness, security assurance, and care. sophisticated equipment, forms are not provided and customers still have difficulty in filling out forms, long waiting times in service, and there is no special place for customer complaints. The performance of LPD in Kerambitan District, Tabanan from the customer perspective is of good quality, which is 90.4 percent because the proportion of positive statements is higher than 60 percent. From an internal business perspective, an assessment of the LPD product innovation process is carried out in the District of Kerambitan Tabanan. Of the 12 LPDs in Kerambitan District, there are 7 LPDs that have not innovated their products and 5 LPDs that have innovated their products in the 2017-2019 period. The performance of LPDs in Kerambitan District is still not said to be good, this is because LPDs have not innovated or developed with their products in the last 3 year period, namely 2017- 2019. From the perspective of growth and learning, LPD performance in Kerambitan District is assessed based on the assessment of its employees with four indicators, namely awards given, employee commitment, relationships with colleagues and facilities provided by LPD are of good quality, which is 90.96 percent because the proportion of statements positive is higher than 60 percent. LPD employees in Kerambitan Sub-district, Tabanan were satisfied in all the items measured. These results indicate that the LPDs in Kerambitan Sub-district have managed and developed employees well which are able to improve their work abilities.

Risk Based Banking Financial Performance Impact on PSAK 71 Implementation (Study at Bank Mega Tbk.)

This study to examine the effect of PSAK 71 to banking performance based on Bank Mega Tbk. Banking performance component is risk profile, good corporate governance, earnings, and capital. The research data used secondary collected through the documentation method. The data collection used library research.
 The results of this study showed that risk profile with NPL ratio and LDR ratio had an impact decrease in the percentage ratio after PSAK 71. Good corporate governance have not an impact after PSAK 71. Earnings with ROA ratio and ROE ratio have not an impact after PSAK 71, but BOPO ratio and NIM ratio had an impact decrease in the percentage ratio after PSAK 71. Capital has not an impact after PSAK 71.

Analisis Perbandingan Kinerja keuangan Bank Pemerintah dan Bank Swasta Nasional yang Terdaftar di Bursa Efek Indonesia Tahun 2014-2019

Financial performance is the result or description of the operational activities that the company has carried out in a period. Every company listed on the Indonesian stock exchange must publish a complete financial report so that it can describe the company's financial performance. The problem in this study is that ownership of a bank has differences in determining goals and decisions, government banks have the goal of prospering the public and providing public services to the public, while private banks are more oriented towards achieving high profits so that this has an influence on the achievement of financial performance obtained each bank. This study, comparing the financial performance of government banks and private banks listed on the Indonesian stock exchange in 2014-2019. This study uses the RGEC method. Where the research results show that when viewed from the ratio of NPL, LDR, GCG, ROA and NIM there is no significant difference between the financial performance state banks and national private banks. When viewed from the CAR ratio, there is a significant difference between the financial performance of government banks and national private banksKeywords : financial performance, government bank, private bank

Analisis Tingkat Kesehatan Bank dan Dampaknya terhadap Peningkatan Jumlah Nasabah

The background of this research is the fluctuation in the value of the ratio of CAR, KAP, ROA, IGA and LDR will affect the performance of a bank, so it is necessary to look at the level of health which will have an impact on increasing the number of customers. The purpose of this study was to determine the health level of BPRS Al Ma'soem using the CAMEL (Capital, Asset, Management, Earning, Liquidity) method and its impact on increasing the number of customers. The type of research uses secondary data with the object of research, namely the financial statements of BPRS Al Ma'soem. The population is all the financial statements of BPRS Al Ma'soem, while the sample is the financial statements of BPRS Al Ma'soem for the 2016-2020 period with the type of sample using purposive sampling. Data collection techniques include literature study and documentation. While the method used is descriptive qualitative using the Milles and Huberman model including: data collection, data reduction, data presentation and conclusions and using the CAMEL method. The results show that the health level of BPRS Al Ma'soem using CAMEL analysis in terms of capital, assets, earnings and liquidity in 2016 with very good predicates, 2017 and 2018 with good predicates, 2019 with very good predicates, and 2020 with good predicate. However, from a management perspective, from 2016-2020, it received a pretty good predicate.

Analisis Tingkat Kesehatan Bank dan Dampaknya terhadap Peningkatan Jumlah Nasabah

The background of this research is the fluctuation in the value of the ratio of CAR, KAP, ROA, IGA and LDR will affect the performance of a bank, so it is necessary to look at the level of health which will have an impact on increasing the number of customers. The purpose of this study was to determine the health level of BPRS Al Ma'soem using the CAMEL (Capital, Asset, Management, Earning, Liquidity) method and its impact on increasing the number of customers. The type of research uses secondary data with the object of research, namely the financial statements of BPRS Al Ma'soem. The population is all the financial statements of BPRS Al Ma'soem, while the sample is the financial statements of BPRS Al Ma'soem for the 2016-2020 period with the type of sample using purposive sampling. Data collection techniques include literature study and documentation. While the method used is descriptive qualitative using the Milles and Huberman model including: data collection, data reduction, data presentation and conclusions and using the CAMEL method. The results show that the health level of BPRS Al Ma'soem using CAMEL analysis in terms of capital, assets, earnings and liquidity in 2016 with very good predicates, 2017 and 2018 with good predicates, 2019 with very good predicates, and 2020 with good predicate. However, from a management perspective, from 2016-2020, it received a pretty good predicate.

Pengaruh Penerapan Manajemen Risiko Terhadap Kinerja Keuangan Triwulan 2016 – 2020 Pada Bank Pembangunan Daerah Jawa Timur

Importance The role of banking is currently very dominant with the financial system. A good financial system will have a positive effect on banking performance. This study aims to determine the effect of banking risk which is analyzed using the ratio of NPL, NIM, LDR, BOPO on financial performance with ROA at the Regional Development Bank of East Java. The data used in this study were obtained from annual published financial reports from the website ojk.go.id. The number of samples is 20 East Java Regional Development Banks with a quarterly period from 2016-20202. This study uses the SSS method where the results of the research show that the determinant coefficient (R2) shows the Adjusted R Square number of 0.988 or 98.8%, which means that variations in the level of financial performance can be explained by NPL, NIM, LDR and BOPO on ROA, the remaining 1.2 % can be explained from other variables outside the research variables. For the research results simultaneously, NPL, NIM, LDR, and BOPO have a significant effect on ROA. The effect partially for NPL Risk (X1) does not have a significant negative effect partially on ROA (Y), for NIM risk (X2) has a partially significant positive effect on ROA (Y), for LDR risk (X3) does not have a significant negative effect partial to the level of ROA (Y), and for the risk of OEOI (X4) a significant negative effect partially on the level of ROA (Y). It is better if the Regional Development Bank of East Java, must be able to identify the risks that may occur in its business activities. In connection with the results of research where the Bank must minimize NPL, LDR and OEOI ratio because it has a negative effect on ROA. Then maximize NIM because it has a positive effect on ROA.

Analysis of the Health Level of Rural Banks Based on the Risk Base Bank Rating Method in Gianyar Regency

The health of a bank is in the interest of all related parties, including bank owners and managers, the public using bank services, and bank supervisors. Bank Indonesia assesses the soundness of banks using a method with a risk approach called the Risk Based Bank Rating (RBBR). This study aims to determine the soundness of Rural Banks (BPR) in Gianyar Regency in 2015-2020 using the RBBR method. This method consists of four assessment factors, namely risk profile, GCG, earnings and capital. The results of the study show that there are still several BPRs in Gianyar Regency that have the predicate of being unhealthy or violating the NPL, LDR and ROA ratios in accordance with the provisions of the law. The assessment of the Good Corporate Governance (GCG) factor in this study focused on the compliance function with the implementation of internal audit and external audit on financial statements implemented by banks. The internal audit function has been implemented by banks from 2015 to 2020. External audits were implemented by banks in 2019 and 2020. In 2019, 19 or 76 percent of 25 banks were audited by external auditors, and 6 banks or 24 percent were not audited by external auditors. The results of the Assessment of Capital Ratio with Minimum Capital Adequacy Ratio (KPMM), all BPRs with Very Healthy Predicate with KPMM Ratio greater than 12 percent. In 2019, 19 or 76 percent of 25 banks were audited by external auditors, and 6 banks or 24 percent were not audited by external auditors. The results of the Assessment of Capital Ratio with Minimum Capital Adequacy Ratio (KPMM), all BPRs with Very Healthy Predicate with KPMM Ratio greater than 12 percent. In 2019, 19 or 76 percent of 25 banks were audited by external auditors, and 6 banks or 24 percent were not audited by external auditors. The results of the Assessment of Capital Ratio with Minimum Capital Adequacy Requirement (KPMM), all BPR with Very Healthy Predicate with KPMM Ratio greater than 12 percent.

Analysis of Non Performing Loans in Indonesian Banking (Case Study on MSMES 2017Q1 – 2019Q4)

Lending is the main activity of banks in generating profits, but the biggest risks are also derived from lending. According to the financial services authority of Indonesia statistics, based on the type of use, the most credit distribution is micro small and medium enterprises (MSMEs). It can be concluded that credit is the main target of lending by banks. This research was conducted to analyze how internal bank factors can affect bad MSMEs credit Indonesian banks in the first quarter of 2017 to the fourth quarter of 2019 with a CAMEL analysis approach. Independent variables used are Capital, Assets, Management, Earning, and Liquidity, each of which is proxied using CAR, KAP, NIM, ROA, and LDR ratios. The dependent variable used is bad credit, which is proxied by the NPL ratio. The data panel method is used to quantitatively estimate the parameters in the model. The results showed that banking capital fluctuated during 12 quarters, namely from 2017 to 2019. In terms of liquidity, it is known that some banks have liquidity ratios above the tolerance limit set by Bank Indonesia. It is necessary to have control of bank management to inhibit the aggressiveness of lending, as well as to raise deposit rates for banking funding to increase.

ANALISIS TINGKAT KESEHATAN BANK PADA PT. BANK JTRUST INDONESIA TBK DENGAN METODE RISK BASED BANK RATING (RBBR) TAHUN 2014 - 2018

The research is aimed to investigate and analyze the soundness of commercial banks, based on Financial Services Authority Circular Letter Regulation No. 14/SEOJK.03/2017. The sample in this study was PT. Bank JTrust Indonesia Tbk, period 2014-2018. The analytical tool used is the Bank's health report on factors that use the net performing loan (NPL) ratio and the ratio of loans to deposits (LDR), corporate governance factors using self-assessment reports of good corporate governance (GCG), profitability factors with using the ratio of return on assets (ROA) and net interest margin (NIM) and capital factors using the capital adequacy ratio (CAR).The results of this study indicate that from the results of the study, commercial banks, commercial banks with results that are less healthy and unhealthy. Based on the NPL ratio in 2014 with unhealthy results, based on the LDR ratio in 2016 and 2017 with fairly healthy results. Based on the factors of corporate governance / GCG in 2014 the results of the assessment were not good.Based on the ROA ratio in 2014, 2015, 2016 and 2018 with unhealthy results and in 2017 with fairly healthy results. Based on the NIM ratio in 2014 with Unhealthy results and in 2015 with Unhealthy Results. And based on the CAR ratio of all banks in the healthy category (very healthy, healthy, quite healthy).

Analisis Kondisi Financial Distress pada Perusahaan Perbankan di Bursa Efek Indonesia

This study aims to analyze financial ratios in predicting financial distress in banking companies listed on the IDX using the CAR, NPL, BOPO, ROA, ROE, and LDR ratios. The sampling technique is purposive sampling with the criteria of companies that have the potential to experience financial distress, characterized by companies that experience negative net income for at least two consecutive years and those that do not. The method of analysis is logistic regression with data pooling. The results show that NPL can predict the financial distress condition of a banking company, while CAR, BOPO, ROA, ROE, LDR cannot predict the financial distress condition of a banking company.
 Keywords: Financial Distress, Financial Ratios, Banking, Logistic Regression

ANALISIS TINGKAT KESEHATAN PT. BPR WELERI MAKMUR DENGAN METODE CAMEL PADA PERIODE 2015-2018

<p><em>This study aims to assess and analyze the health level of PT. BPR Weleri Makmur if calculated using the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) method in the 2015-2018 period based on Bank Indonesia Director's Decree No. 30/12 / KEP / DIR dated April 30, 1997. The component assessed is Capital (Capital) using CAR ratios, Asset Quality by using KAP ratios and PPAP ratios, Management using Management calculations using general management and risk management, earnings (earning) using the ROA ratio and the BOPO ratio, and Liquidity (Liquidity) using the Cash Ratio and LDR ratio.</em></p><p><em>The results of the analysis and discussion showed that in the 2015-2018 period as a whole, the health level of PT. BPR Weleri Makmur is categorized in the healthy category, and the health level progress based on overall credit score at PT. BPR Weleri Makmur in the 2015-2016 period decreased.</em></p>

PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA (STUDI KASUS PADA PT. BANK MUAMALAT DAN PT. BANK MANDIRI)

This research aims to compare the financial performance of Bank Muamalat and Bank Mandiri in Indonesia in the 2011-2015 period using financial ratios. The financial ratio used consists of CAR, ROA, LDR, NPL, and BOPO. The data used in this study is obtained from the Published Financial Reports issued by each of the Banks concerned. The analysis technique used to see a comparison of the financial performance of Bank Muamalat and Bank Mandiri is a comparative research method that is comparative in nature. The analysis conducted shows that there are significant differences for each financial ratio between Bank Muamalat and Bank Mandiri in Indonesia. Bank Muamalat has better performance in terms of LDR and BOPO ratios, while Bank Mandiri has better performance in terms of CAR, ROA and NPL ratios.

ANALISIS PENGARUH CAR, NIM, NPL, DAN LDR TERHADAP ROA (Studi Kasus pada Bank Umum Persero BUMN Periode 2013-2018)

Banks must carry out their activities with the precautionary principle so as not to harm the wider community such as the banking crisis of 1998 and 2008, therefore Bank Indonesia issued regulation no. 13/1 / PBI / 2011 in 2012 as a guideline for banks to maintain banking health using the RGEC method. This research was conducted to determine the effect of the CAR, NIM, NPL, and LDR ratio to the ROA ratio. With all of the above ratios are from the Bank Indonesia RGEC assessment method, on BUMN banks consisting of BNI, Mandiri, BRI, and BTN. This study uses multiple linear regression analysis using SPSS 21 application with a six-year observation period (2013-2018) from four state-owned banks with independent variables CAR (X1), NIM (X2), NPL (X3) and LDR (X4) and variables dependent on ROA (Y). The results of this study shows that simultaneously CAR, NIM, NPL, and LDR ratios have a significant effect on ROA, while partialy each of the ratio CAR has a significant and negative effect on ROA, NIM has a positive and significant effect on ROA, and NPL has a significant and negative effect on ROA while LDR ratio does not significantly influence ROA. So the researcher's suggestion is that the capital in CAR can be channeled back into the productive assets to increase bank profits both in terms of interest (NIM) and overall profit (ROA) while the NPL ratio can be improved risk management so as not reduce bank profits both NIM and ROA and for the LDR ratio so that Bank BTN adjusts its LDR ratio in accordance with Bank Indonesia regulations.

ANALISIS PENGARUH CAR, NIM, NPL, DAN LDR TERHADAP ROA (Studi Kasus pada Bank Umum Persero BUMN Periode 2013-2018)

Banks must carry out their activities with the precautionary principle so as not to harm the wider community such as the banking crisis of 1998 and 2008, therefore Bank Indonesia issued regulation no. 13/1 / PBI / 2011 in 2012 as a guideline for banks to maintain banking health using the RGEC method. This research was conducted to determine the effect of the CAR, NIM, NPL, and LDR ratio to the ROA ratio. With all of the above ratios are from the Bank Indonesia RGEC assessment method, on BUMN banks consisting of BNI, Mandiri, BRI, and BTN. This study uses multiple linear regression analysis using SPSS 21 application with a six-year observation period (2013-2018) from four state-owned banks with independent variables CAR (X1), NIM (X2), NPL (X3) and LDR (X4) and variables dependent on ROA (Y). The results of this study shows that simultaneously CAR, NIM, NPL, and LDR ratios have a significant effect on ROA, while partialy each of the ratio CAR has a significant and negative effect on ROA, NIM has a positive and significant effect on ROA, and NPL has a significant and negative effect on ROA while LDR ratio does not significantly influence ROA. So the researcher's suggestion is that the capital in CAR can be channeled back into the productive assets to increase bank profits both in terms of interest (NIM) and overall profit (ROA) while the NPL ratio can be improved risk management so as not reduce bank profits both NIM and ROA and for the LDR ratio so that Bank BTN adjusts its LDR ratio in accordance with Bank Indonesia regulations.

ANALISIS TINGKAT KESEHATAN DAN EFISIENSI PERBANKAN TERHADAP PROFITABILITAS BANK MENGGUNAKAN REGRESI BERGANDA DAN ANOVA

In this digital era, the competitiveness of small banks has decreased, and many bank consolidation phenomena have occurred. This study aims to examine the effect of bank soundness and efficiency on profitability in the face of competition and the current bank consolidation or merger phenomenon. Determination of variables refers to Bank Indonesia standards in measuring bank performance using the RGEC method approach consisting of the ratio of LDR, NIM, BOPO, NPL, CAR, and prime lending rate (SBDK), while bank profitability is represented by ROA. The research object is the bank category BUKU 1 - 4 which is supervised by OJK and listed as issuers on the Indonesia Stock Exchange during 2014 - 2017. The sampling technique used is purposive sampling so that from 102 banks 34 banks were obtained which were used as research objects. The data analysis technique used is multiple regression analysis and Anova comparison test. Based on the results of data testing, it is known that simultaneously and partially the ratios of LDR, NIM, BOPO, NPL, CAR, and SBDK have an effect on ROA. In comparison to the average BOPO, prime lending rate, and ROA variables, there are significant differences with bank categorization BUKU 1-4.