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

The purpose of this study is to analyze the Loan To Deposit Ratio (LDR), Investing Policy Ratio (IPR), Troubled Earning Assets (APB), Non Performing Loans (NPL), Interest Rate Risk (IRR), Net Open Position (PDN), Operational Costs to Operating Income (BOPO), Fee Based Income Ratio (FBIR), Fixed Asset Capital Ratio (FACR) to Return On Assets (ROA) at Foreign Exchange National Private Commercial Banks (BUSN). PT. Bank Mayapada Internasional, Tbk; PT. Bank Maybank Indonesia, Tbk; PT. Bank ANZ Indonesia, Tbk is the sample of this study using purposive sampling method. This study uses secondary data from the financial statements of the second quarter, 2016 to the second quarter, 2021. The data analysis technique is descriptive analysis and uses multiple linear regression analysis. The results of this study revealed that simultaneously LDR, IPR, APB, NPL, IRR, PDN, BOPO, FBIR, and FACR had a significant effect on ROA. Partially LDR, IPR, and FBIR have no significant positive effect on ROA. APB, NPL, BOPO, and FACR partially have a non-significant negative effect on ROA. IRR and PDN partially have a negative or positive influence that is not significant on ROA. Keywords : Bank, BUSN, Foreign Exchange, RO