“…Seen from the F test results shown in the ANOVA table, it can be found that together, the CAR, LDR, NPL and NIM variables influence ROA, This is in line with the results of research on Heri Susanto and Nur Kholis [1], Mario Christiano, Parengkuan Tommy and Ivonne Saerang [2], showing that CAR, LDR, NPL and NIM simultaneously have a significant influence on ROA. Based on this research, it shows that the CAR, LDR, NPL and NIM variables influence ROA, because it indicates that the smaller the CAR, LDR, NPL and NIM, the smaller the value of ROA or the greater the CAR, LDR, NPL and NIM, the greater the value ROA V. CONCLUSION Based on the results and discussion, it can be concluded that CAR has no significant negative effect, while LDR has no significant positive effect on ROA.…”