Abstract :
This research aims to analyze whether LDR, IPR, NPL, APB, IRR, BOPO, and FBIR simultaneously and partially are significant effect toward ROA on Banks Headquartered in Surabaya.
Samples in research are Antardaerah, Prima Master Bank and Bank Maspion Indonesia. Data in The research uses documentation method. Datas are taken from published Financial report of Banks Headquartered in Surabaya begun from first quarter at year 2011 until last quarter at year 2015. The technique of data analysis uses multiple linear regression analysis.
The result of the research showed that LDR, IPR, NPL, APB, IRR, BOPO, and FBIR simultaneously have a significant effect toward ROA. Partially BOPO, and FBIR have a significant effect toward ROA, but the other side happened to LDR, IPR, NPL, APB, and IRR which don?t have a significant effect toward ROA. And the last result, the dominant variable which effecting ROA is BOPO.
Keywords : Liquidity, Asset Quality, Sensitivity, Efficiency, and Profitability