Pengaruh Likuiditas, Kualitas Aset, Sensitivitas, dan Efisiensi Terhadap Profitabilitas Pada Bank Umum Swasta Nasional (BUSN) Devisa Konvensional

The aim of this study is to analyze the effects of Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), Investing Policy Ratio (IPR), Adversely Classified Asset (ACA), Non Performing Loan (NPL), Interest Rate Risk (IRR), Net Open Position (NOP), Operational Efficiency Ratio (OER), and Fee Based Income Ratio (FBIR), to Return On Asset (ROA), simultaneously and partially At Foreign Exchange Conventional Bank Umum Swasta Nasional (BUSN). This study used purposive sampling with three samples, PT Bank Bukopin Tbk, PT Bank Mayapada International Tbk, and PT Bank Mega Tbk. The period of this study was the first quarter 2015 until the second quarter of 2020. This study used multiple linear regression. The results of this study revealed that LDR, LAR, IPR, ACA, NPL, IRR, NOP,OER and FBIR have a significant effects on ROA, simultaneously. LDR has a positive insignificant effects on ROA, partially. LAR, IPR, ACA, NPL, IRR, NOP, and FBIR partially have a negative and also insignificant effect on ROA. OER partially has a negative significant effects on ROA Keywords : Bank, BUSN, Conventional, Foreign Exchange, RO