Abstract :
The capability of banks in produce profit that influenced by liquidity,
productive asset quality, market sensitivity, efficiency and solvability,. Liquidity is
bank capability in fulfill it?s short-term duty or expire duty. Asset quality is bank?s
asset capability in produce revenue. Sensitivity to market is bank capital
capabilityto cover the risk emerge by market risk chages. Efficiency isn bank
management capability use all it?s productive asset with effective and efficient.
Solvabilityis bank capability to fulfill it?s duties whenever bank liquidity yake
place.
The research using secondary data from financial statment the
regional banks Bank Mega, Bank Bukopin, Bank OCBC NISP, Bank International
Indonesia , Bank permata. started from the frist qurter period of 2009 until the
second quarter period of 2012. Data taken then processed using statistic test
regression linear (F-test and t-test).
The result of this research are LDR, IPR, NPL, PPAP, APB, IRR,
PDN, BOPO, and FACR to Return On Asset (ROA) at The national private
commercial banks to go public have significant simultaneously influence toard
ROA.while partially BOPO which significant effect ROA.
Key word : LDR, IPR, APB, NPL, PPAP, BOPO, IRR, PDN, FACR and ROA.