PENGARUH LIKUIDITAS, KUALITAS AKTIVA, SENSITIVITAS, DAN EFISIENSI TERHADAP PROFITABILITAS PADA BANK UMUM NASIONAL GO PUBLIC

Bank is one of the financial institutions engaged in finance. In its day-to-day activities the bank has a business goal that is gaining huge profits continuously in order to keep the bank's life in order to be assured and develop in the future. The factors that may effect the ROA of a bank include aspects of liquidity, asset quality aspects, sensitivity aspects, and efficiency aspects. This study aims to determine the effect of liquidity, asset quality, sensitivity, and efficiency simultaneously, partially to the ROA at the national public Bank go public. The sample used in this study is 3 national commercial banks to go public listed on the Stock Exchange and OJK since 2013 to 2017. The results of this study are simultaneously variable LDR, LAR, IPR, APB, NPL, PDN, IRR and FBIR Influence is not significant on ROA at national public bank go public, while partially variable BOPO significant effect on ROA at national public bank go public. Keywords : Quality, assets liquidity, sensitivity and efficiency and RO