ANTESEDEN RETURN ON ASSET (ROA) PADA BANK BUMN INDONESIA

Abstract

This study aims to examine and analyze the effect of Capital Adequacy Ratio (CAR),
Operating Expenses and Cost Efficiency (BOPO) and Loan to Deposit Ratio (LDR) to Return on
assets (ROA). Return on assets (ROA) or profitability is one indicator that can be used to measure
bank performance. The population used in this study is state-owned banks registered with Bank
Indonesia during the 2014-2018 period. In this study the sampling technique used total sampling
techniques using quarterly financial statements owned (1) PT. BNI (Persero), Tbk (2) Bank BRI
(Persero), Tbk, (3) PT Bank Mandiri (Persero), Tbk; and (4) PT Bank BTN (Persero) so that with the
sample, the number of samples in this study were (4 Quarter x 5 Years of Observation x 4 BUMN
Banks = 80 panel data units). The results of multiple regression analysis provide evidence that CAR
has a significant positive effect on ROA. Operational efficiency and cost efficiency (BOPO) has a
significant negative effect on return on assets (ROA). LDR has a significant negative effect on ROA.
For the biggest contribution proven in CAR, that CAR has a dominant effect on ROA.