The Affecting Factors of Banking Profitability

This research meant to acknowledge and to test the impact between Non Performing Loan(NPL), Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), and Biaya OperasionalPendapatan Operasional (BOPO) variable through the profitability of BUMN based bank.Through secondary data and quantitative method. There is 4 BUMN based bank that beenheavily researched for a consecutive 10 years since 2010 to the late 2019 which is BRI Bank,BNI, BTN and Mandiri. Analysis method used here is the multiple linear regression analysis.The data processed by using the IBM SPSS Statistic 20 application by determining 0.05significance state for the hypothesis test. It is shown that Non Performing Loan (NPL) notaffecting not have any significant impact to the ROA. Net Interest Margin (NIM) in the otherside inflicts a positive and significant impact to the ROA. Capital Adequacy Ratio (CAR)have a negative and significant impact to the ROA. Biaya Operasional PendapatanOperasional (BOPO) also negatively impact and it is significant to the ROA.