<p><em>This research is performed in order to test the influence of the Operation Expenses to Operations Income (BOPO), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) toward Profitability of Commercial Banks in Indonesia Period 2012-2017. </em></p><p><em> The sample used is 7 Commercial Banks that entered into the list of Commercial Banks Business Activities 2012-2017. The independent variables in this research are BOPO, NPL, NIM, and LDR. While the dependent variable is Profitability which is represented by Return On Assets (ROA). The analysis model used in this research is Multiple Linear Regression, while the analysis technique in this research using F Statistic Test, t Statistic Test, and Determination Coefficient Test. </em></p><em> The results of this research show that BOPO and NIM have significant influence to Profitability, while NPL and LDR have not significant influence to Profitability. Based on result of regression analysis, it is obtained that Adjusted R<sup>2</sup> is 0,906, meaning the contribution of independent variable in explaining the dependent variable is 90,6% and the rest that is 9,4% is influenced by other variable not examined in this research.</em>
<em>This study aims to analyze the influence of Ratio Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) partially or simultaneously to Return On Assets (ROA) at Bank Umum Syariah in Indonesia., The period 2015-2017. The data used in this study obtained from the quarterly financial reports through the website. Population and sample in this research is Bank Syariah Mandiri, Bank Mega Syariah and Bank BNI Syariah. The results of hypothesis testing using multiple linear regression analysis using SPSS 16. The result of determination coefficient shows the result of 0,774 or 77,4% of variable Return On Assets (ROA) influenced by Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO), the remaining 22,6% is influenced by other factors. The results of the F test or simultaneously Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) together have a significant effect on Return On Assets (ROA). While t test or partially, Operational Income Cost Effect (BOPO) have significant influence to Return On Assets (ROA) while Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) has no significant effect to Return On Assets (ROA) on Bank Umum Syariah in Indonesia Period 2015-2017.</em>
<em>This study aims to analyze the significance of the effect of liquidity ratios, operating efficiency, and solvency ratios both simultaneously and partially on financial performance at PT Bank Maybank Indonesia Tbk. period of 2010-2018. The population in this study is liquidity ratio, operating efficiency, and solvency ratio. The sampling technique using simple random sampling method, obtained samples in this study as many as 3 variables, namely Loan to Deposit Ratio (LDR), Operational Costs compared to Operating Income (BOPO), and Capital Adequacy Ratio (CAR). The data used in this study are secondary data obtained from published quarterly financial reports. The model of analysis used is Multiple Linear Regression, while the data analysis technique uses F Test, Determination Coefficient (Adjusted R²), and t Test. The results of the analysis and discussions show that the variable Loan to Deposit Ratio (LDR), Operational Cost versus Operating Income (BOPO), and Capital Adequacy Ratio (CAR) simultaneously have significant effects on Return On Assets (ROA) at PT Bank Maybank Indonesia Tbk. the period of 2010-2018. Partially, the Loan to Deposit Ratio (LDR) variable has negative and not significant effect on Return On Assets (ROA), while Operational Cost versus Operational Income (BOPO) variables partially have a negative and significant effect on Return On Assets (ROA), as well as variables Capital Adequacy Ratio (CAR) partially has a negative and significant effect on Return On Assets (ROA) at PT Bank Maybank Indonesia Tbk. the period 2010-2018.</em>
<em>This study aims to describe the results of the ranking and calculation of bank financial performance based on Liquidity Risk, Profitability Ratio and Capital Ratio at PT Bank Danamon Indonesia Tbk. period of 2014 - 2018. This Final Project uses descriptive writting method with a qualitative and quantitative approach and in collecting data using the published documentation method. This study uses secondary data obtained from PT Bank Danamon Indonesia Tbk. in the form of financial statements. Variables in this study are on liquidity risk using a Loan to Deposit Ratio (LDR), profitability ratio using Return On Assets (ROA) and Net Interest Margin (NIM). ), while the capital ratio uses the Capital Adequacy Ratio (CAR). The results of the study show that financial performance at PT Bank Danamon Indoneisa Tbk. period of 2014 - 2018 viewed from liquidity risk (LDR) is ranked 3 (three) or Moderate. ROA is ranked 1 (one) or very adequate in 2014, in 2015 was ranked 2 (two) or adequate, and in 2016-2018 was ranked 1 (one) or very adequate. NIMs in 2014-2018 were ranked 1 (one) or very adequate even though they experienced an increase and decrease in the value of the ratio and CAR in 2014-2018 was ranked 1 (one) or very adequate. The results of this study are expected to provide an overview to the bank stakeholders regarding the soundness of the bank.</em>
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