Abstract :
PDN, and BOPO simultaneously or partially have significant toward ROA on goverment national banks. Data collecting method used in this research is secondary data source from quarterly financial statement from banks. Financial statement appendix researched from first quarterly financial statement 2010 until fourth quarterly financial statement 2012. data analysis technique used in this research in multiple regression analysis, F-test and T-test.this study uses four governmant national Banks as its samples. However since this study uses purposive sampling technique, there are only three of them meet the criteria of this study those banks are BNI, BRI, MANDIRI. Research period started first quarterly 2010 until fourth quarterly 2012.
The result of research shows that LDR, IPR, APB, NPL, IRR, PDN, and BOPO have significant influence simultaneously to ROA on goverment national banks.. LDR, IPR and NPL partially have negative insignificant influence toward ROA in national goverment banks. APB, PDN partially have positive insignificant influence toward ROA on goverment national banks. IRR partially have positive significant influence toward ROA on goverment national banks. and BOPO partially have negative significant influence toward ROA on goverment national banks.
Key words : Business Risk and ROA