This study aims to examine and analyze the effect of Capital Adequacy Ratio (CAR), and Loan Deposit Ratio (LDR), and Operational Costs and Operational Income (BOPO) to Return on Assets (ROA) on sub sector of bank listed in the IDX for the period 2015- 2019. Research data is secondary data for the 5 year observation period. The sampling method used was purposive sampling method, where all of the general banks listed in IDX and reported their financial statements in a row during the study period. The analytical method used in this study is the Random Effect Model panel data regression.

Keywords : Profitability, ROA, CAR, LDR, BOPO