<![CDATA[This study aims to examine the effects of the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Net Interest Margin (NIM) on Return on Assets (ROA) at PT Bank Negara Indonesia (Persero) Tbk during the 2011–2025 period. This study employs a quantitative approach using secondary data. The methodology used includes descriptive statistics and classical assumption tests, followed by multiple linear regression analysis. The results of the analysis indicate that (1) there is no effect of CAR on ROA, as indicated by the calculated T-value (-0.523) and a significance level >0.05. (2) NPL has an effect on ROA, as indicated by the calculated T-value (-4.050) and a significance level < 0.05. (3) There is no effect of NIM on ROA, as indicated by the calculated T-value (2.175) and a significance level > 0.05. (4) There is an effect of CAR, NPL, and NIM on ROA, as indicated by the calculated F-value (9.383) > table F-value (3.587) with a significance level 0,002< 0.05. This indicates that the combined contribution of CAR, NPL, and NIM to ROA is 64%. The remaining 36% is influenced by other variables not included in this study.]]>
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