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ABSTRACT Banks is an institution which its main activity is fund raising from society then revolves it with purpose to generate revenue from which. Therefore it is important for bank to maintain public trust because the business activity is relying to the public trust. This research has purpose to prove the effect of Capital Adequacy Ratio (CAR), Operating Expenses/Operating Income (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) financial ratio to bank performance which measured by Return On Asset (ROA) basis and which the most dominant variables that affect to Return On Asset (ROA). The object of this research is the general banks which operated in Indonesia on 2005. The analysis technique used is census whereas all population members are used as a sample which means the sample used is the same as the population. All samples is taken from the result of rating of 131 general banks in Indonesia that done by InfoBank’s Research Bureau along 2005. The analysis technique used is multiple regression analysis. Whereas the data used is secondary data, thus to determine the accuracy of model it is important to test some classical assumption underlined the regression model. The classical assumption testing used in this research contain of experiment, normality, multicolinearity, heteroskedatisitas and autocorrelation. From the F test result is obtained that F value is 158,074 with value P 0,001. It means that value P is less than 0,05 and it shows that variable of Capital Adequacy Ratio (CAR), Operating Expenses/Operating Income (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) simultaneously affect significantly to Return On Asset (ROA). According to the t test result, it can conclude that Non Performing Loan (NPL), Net Interest Margin (NIM) and Operating Expenses/Operating Income (BOPO) partially have effect to Return On Asset (ROA), whereas Capital Adequacy Ratio (CAR) and Loan To Deposit Ratio (LDR) partially don’t have effect partially. The positive sign on variable of Non Performing Loan (NPL) can be explained that ROA on that year remain high in spite of the fact that the NPL value is high either. It can be happened because the mean of NPL on that year still in the NPL maximum limit required by Bank Indonesia, which is 4,14%, with the result that ROA remain high. Key words : financial ratio, bank performance. ABSTRAKSI Bank merupakan industri yang kegiatan utamanya adalah penghimpunan dana dari masyarakat kemudian menyalurkannya dengan tujuan untuk memperoleh pendapatan. Oleh karenanya penting bagi bank untuk menjaga kepercayaan masyarakat sebab kegiatan usahanya mengandalkan kepercayaan masyarakat. Tujuan dari penelitian ini adalah untuk membuktikan pengaruh rasio keuangan Capital Adequacy Ratio (CAR), Biaya Operasi dibanding Pendapatan Operasi (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap kinerja bank yang diukur dengan Return On Asset (ROA) serta variabel-variabel manakah yang paling dominan berpengaruh terhadap Return On Asset (ROA). Obyek penelitian adalah bank-bank umum yang beroperasi di Indonesia pada tahun 2005. Teknik penentuan sampling adalah sampling jenuh atau sensus yaitu dimana semua anggota populasi digunakan sebagai sampel yang berarti sampel yang digunakan sama dengan populasi. Sampel seluruhnya diambil dari hasil rating 131 bank umum di Indonesia yang dilakukan oleh Biro Riset InfoBank selama tahun 2005. Teknik analisis yang digunakan yaitu analisis regresi berganda. Karena data yang digunakan adalah data sekunder, maka untuk menentukan ketepatan model perlu dilakukan pengujian atas beberapa asumsi klasik yang mendasari model regresi. Pengujian asumsi klasik yang digunakan dalam penelitian ini meliputi uji, normalitas, multikolinearitas, heteroskedatisitas dan autokorelasi. Dari hasil uji F didapat nilai F hitung sebesar 158,074 dengan P value sebesar 0,001. Hal ini berarti nilai P value kurang dari 0,05 yang menunjukkan bahwa variabel Capital Adequacy Ratio (CAR), Biaya Operasi dibanding Pendapatan Operasi (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) secara bersama-sama mempunyai pengaruh yang berarti terhadap Return On Asset (ROA). Berdasarkan hasil uji t disimpulkan bahwa Non Performing Loan (NPL), Net Interest Margin (NIM) dan Biaya Operasi dibanding Pendapatan Operasi (BOPO) berpengaruh secara parsial terhadap Return On Asset (ROA) sedangkan Capital Adequacy Ratio (CAR) dan Loan To Deposit Ratio (LDR) tidak berpengaruh secara parsial. Tanda positif pada variabel Non Performing Loan (NPL) dapat dijelaskan bahwa ROA pada tahun tersebut tetap tinggi meskipun nilai NPL juga tinggi. Hal ini dapat terjadi karena rata-rata NPL pada tahun tersebut masih dalam batas NPL maksimum yang disyaratkan oleh Bank Indonesia yaitu 4,14% sehingga ROA tetap tinggi. Kata Kunci : Rasio-rasio Keuangan, Kinerja Bank
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