| This research is carried out to analyze the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO (Biaya Operasional/Pendapatan Operasional), and Loan to Deposit Ratio (LDR), toward Return on Assets (ROA) which is a proxy of financial performance banking firms. The method used in this research is multi linear regression model, with the sample of 10 big banking firms which are listed in Indonesia Stock Exchange for 2009 and 2010 period. The result of statistical test analysis with t statistical test showed that CAR, NPL, and BOPO have a significant effect on ROA with each level of significance are 0,031, 0,037, and 0,028, while LDR doesn’t significantly with level of significance is 0,293. Based on the result of effect F statistic test, CAR, NPL, BOPO, and LDR affect ROA banks simultaneously at significance level of 0,001. The adjusted R2 value of 0,622 has shown that 62,2% of ROA are affected by four variables: CAR, NPL, BOPO, and LDR, while the remaining 37,8% is influenced by other factors beyond the research model. |