| This study aims to provide clear and concise overview of the influence of LDR, NIM, and CAR of the Banking ROA, over the period 2003-2010 to seven banks listed on the Jakarta Stock Exchange, based on highest ranking based lending and collection of Third Party Funds in November 2010, which represent respectively 52% and 55%, of total commercial bank in Indonesia. The seven banks consist of BRI, Bank Mandiri, BCA, BNI, Bank Danamon, Bank Panin, and BII. Besides expected to give a brief overview of the influence of independent variables (LDR, NIM, and CAR) on the dependent variable (ROA), the results of this study is also expected to benefit the bank's management in determining strategy as the implications of the study. To achieve the objectives of the study, the method used is multiple linear regression analysis. The results obtained are the three variables (LDR, NIM, and CAR) has a different relationship to the ROA, where only the CAR that has an influence on ROA, while LDR and NIM had no effect on ROA. Therefore, further studies on the behavior of LDR and NIM on ROA is required to know the background is the increasing influence of independent variables (independent), where ideally the three independent variables (independent) gives effect to the ROA. Furthermore, in testing the hypothesis, taken together, the three independent variables (independent) has an influence on ROA. |