Abstract :
The purpose of this research is to see how the influence of lending rate, funding
rate, loan to deposit ratio, and non performing loan. Return on assets provides an
idea of how efficient management is at using its assets to generate earnings.
Object of this research is the state-owned bank group. The period of this research
is within 2004 ? 2008. The tools of this research used classic assumption test and
hypothesis test. The result from regression analysis model shows that lending
rate, funding rate, and non performing loan influenced return on assets.
Meanwhile, loan to deposit ratio has no affect on return on asset.
Keywords: return on assets, lending rate, funding rate, loan to deposit ratio, and
non performing loan