Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Bank Umum yang terdaftar di Bursa Efek Indonesia tahun 2012-2015. Jumlah sampel yang digunakan yaitu 20 bank dengan menggunakan metode regresi liner berganda dengan bantuan SPSS 16.0 for windows. Dari hasil penelitian ini menunjukkan bahwa Capital Adequacy Ratio (CAR) tidak berpengaruh terhadap Return On Asset (ROA), Net Interest Margin (NIM) berpengaruh positif terhadap Return On Asset (ROA), Beban Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif terhadap Return On Asset (ROA), dan Loan to Deposit Ratio (LDR) tidak berpengaruh terhadap Return On Asset (ROA).

The aim of this research was to examine the effects of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Operating Expenses/Operating Income (BOPO), and Loan to Deposit Ratio (LDR) toward Return On Asset (ROA) onCommercial Bank Registered in Indonesia Stock Exchange during 2012-2015 periods. The number of sample was 20 banks by using purposive sampling method. This research used multiple regression analysis with the help of SPSS 16.0 for windows. The results of this research show that Capital Adequacy Ratio (CAR) has no effect to Return On Asset (ROA), Net Interest Margin (NIM) has positive effect to Return On Asset (ROA), Operating Expenses/Operating Income (BOPO) has negative effect to Return On Asset (ROA), and Loan to Deposit Ratio (LDR) has no effect to Return On Asset (ROA).