ABSTRACT
This study was conducted to examine the effect of financial ratios such as Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Operating Expense Ratio (OER) to the Profitability, as proxied by Return on Asset (ROA) in Bank BUKU 3. These banks being listed on the Indonesia Stock Exchange (IDX) for period of 201–2016. The population in this study are 11 banks listed on the Indonesia Stock Exchange. Data collection method used is documentation (library research) that is using published bank financial statements as of 31 December period year 2013–206. Data Panel analysis is used for data analysis technique, and the result of data processing from EViews 8.0 application shows the result studies of NPL, LDR, CAR, NIM, and OER simultaneously have a significant influence on ROA. While partially, NPL, LDR, and CAR have no significant effect on ROA. The result of determination coefficient of test shows that Adjusted R-square value is 92.01 percent, which means that NPL, LDR, CAR, NIM and OER variables contribute to bank profitability (ROA) of 92.01 percent, while the rest of 7.99 percent is explained by other factors not included in the model.
