Pengaruh Rasio Likuiditas, Kualitas Aset, Sensitivitas Pasar, dan Efisiensi terhadap Profitabilitas pada Bank Umum Swasta Nasional Devisa Go Public

A bank institution is a financial intermediary that is built to collect and distribute funds to the community to improve people's welfare. The purposes of study to analysizes the effect of Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), Investing Policy Ratio (IPR), Interest Rate Ratio (IRR), Net Open Position (Posisi Devisa Neto/PDN), Non Performing Loans (NPL) , Adversely Classified Asset (Aset Produktif Bermasalah/APB), Operational Expenses and Operating Income (BOPO), Fee Based Income Ratio (FBIR) toward to Return on Asset (ROA) simultaneously and partially. The subject of the study Is National Foreign Exchange Private Commercial Bank Go Public study used purposive sampling. OCBC NISP, PANIN, and CIMB Niaga banks are the sample for this study. The results of this study revealed that 1) LDR, LAR, IPR, NPL, APB, IRR ,PDN, BOPO and FBIR have a significant effects on ROA simultaneously; 2) LAR, NPL, IRR and FBIR have a significant positive effects on ROA partially; 3) LDR, IPR, APB and PDN have a not significant negative effects on ROE partially; 4) BOPO have a significant negative effects on ROA partially. 5) BOPO is the most dominant effects on ROA