<![CDATA[This study aims to determine the effect of Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) in State-Owned Banks listed on the Indonesia Stock Exchange during the 2016–2025 period. The research method used in this study is causal associative research with a quantitative approach. The sampling technique employed was saturated sampling, resulting in 40 research data samples. The data used were secondary data obtained from the annual reports of State-Owned Banks listed on the Indonesia Stock Exchange (IDX) for the 2016–2025 period, which were accessed through the official websites of each bank. The data were analyzed using SPSS version 26 software. The results of the t-test (partial) indicate that Non-Performing Loan (NPL) has a negative and significant effect on Return On Assets (ROA), as evidenced by the value of tcount > ttable, -5.576 > -2.024 with a significance value of 0.00 < 0.05. Loan to Deposit Ratio (LDR) also has a negative and significant effect on Return On Assets (ROA), as evidenced by the value of tcount > ttable, -2.503 > -2.024 with a significance value of 0.01 < 0.05. Furthermore, the results of the F-test (simultaneous) show that Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) simultaneously have a significant effect on Return On Assets (ROA), as evidenced by the value of Fcount > Ftable, 21.832 > 3.25 with a significance value of 0.00 < 0.05. The conclusion of this study shows that, partially, Non-Performing Loan (NPL) has a negative and significant effect on Return On Assets (ROA), and Loan to Deposit Ratio (LDR) also has a negative and significant effect on Return On Assets (ROA). Simultaneously, Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) have a significant effect on Return On Assets (ROA).]]>
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