Pengaruh Rasio Likuiditas, Kualitas Aset, Sensitivitas Pasar, Dan Efesiensi Terhadap Roa Pada Bank Umum Swasta Nasional Devisa

Bank are business entities that collect funds from the public in the from of deposits and disreibute it the to the public in the from of loans and or other froms in order to improve the standart of people living. Ratio liquidity, asset quality, market sensitivity, efficiency is factors that can affect a bank ROA. This research aims tp analyze whether LDR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR simultaneously and partially have significant effect on ROA at national foreign exchang private commercial bank. It uses secondary data taken by means of documentation method because these data taken from published financial of financial fervices authority. Analyze was used from multiple regression. Results from this research are variable LDR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR simultaneously have significant effect on ROA at national foreign exchang private commercial bank. In addition, NPL, BOPO, and FBIR partially have significant effect on ROA. But LDR, IPR, APB, IRR, and PDN partially have insignificant effect on ROA. Keywords : Ratio Liquidity, Asset Quality, Market Sensitivity, Efficienc