<![CDATA[Profitability is a ratio that describes the company's ability to earn profits through all existing capabilities and resources. The GAP in this study is the inconsistency of the theory with the inconsistent results of previous studies. In this study, we take the financial ratios of BOPO, NPL, LDR, and NIM. This study uses a causal associative method with a quantitative approach, the data used is secondary data derived from the financial statements of banking companies listed on the Indonesian stock exchange for the period 2013-2019. The sample was determined by purposive sampling technique. The sample in this study consisted of 24 companies and analyzed using EVIEWS version 10. Data testing techniques used in this study include classical assumption test, correlation test, simple regression test, multiple regression test. Furthermore, testing the hypothesis using the coefficient of determination, t test and F test. The results of the analysis show that the From the simultaneous testing of all independent variables, the fcount (8.443) > ftable (2.66) with a probability (Prob F-Statistic) of (0.000 < 0.05). This shows that simultaneously the variables of Operating Costs to Operating Income (BOPO), Non- Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Net Interst Margin (NIM) together have an effect on ROA.]]>
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