Abstract :
The purpose of this study was to determine the effect to Non Perfoaming Loan (NPL), Loan to Deposit Ratio (LDR), Operating Expenses Operating Income (BOPO) on the profitability of conventional commercial banks. The method used in this research is purposive sampling. The results of this study based on the t test showed that Non Perfoaming Loan (NPL) no significant positive effect on Return On Asset (ROA), Loan to Deposit Ratio no significant negative effect on Return On Asset (ROA), Operating Expenses Operating Income (BOPO) significant negative effect on Return On Asset (ROA). While all independent variables simultaneously affect the dependent variable.