PENGARUH CAPITAL ADEQUACY RATIO(CAR),NON PERFORMING LOAN (NPL), LOAN TO DEPOSIT RATIO (LDR) DAN BIAYA OPERASIONAL PER PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (ROA) PADA BANK UMUM BUMN DI INDONESIA TAHUN 2010-2019

Public bank or conventional bank carry out their business activities conventionally or activities provides their activities services in payment traffic. In Indonesia conventional bank have begun to develop since the issue of law No. 10 of 1998 Profit from public bank state-owned enterprises based on interest from the bank's core operational activities in the form of money processing based on customers and placing administrative costs for the initial lending activities. This study conducted the state-owned commercial bank which the aim to analyze return on asset (ROA) and as inter-Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), loan to deposits ratio (LDR), operating cost per operating income (BOPO). Simultaneously and partially against bank performance as measured by return on asset (ROA). The data of this study collected from the combined data from 2010 to 2019. By using the bank in the public bank of state-owned enterprises as many as 4 registered in IDX. The results of this study are car, NPL, LDR and BOPO variables that affect ROA partially as well as CAR variables have a significant negative influence on ROA with a coefficient value of -0.070159 and its probability of 0.0000, NPL that has no significant effect on ROA with a coefficient value of 0.000751 and its probity of 0.0000, LDR that has no significant effect on ROA with coefficient value -0.003670 and its probity of 0.0000 and BOPO negatively affect the ROA with a coefficient value of -0.089295 and probabilities are as big as 0.0000