PENGARUH CAPITAL ADEQUACY RATIO, NET INTERSET MARGIN, DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PADA PT BANK NEGARA INDONESIA (PERSERO), TBK. PERIODE 2014-2024

Abstract

The Influence of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) at PT. Bank BNI (Persero), Tbk. This study aims to determine the influence of CAR, NIM, and LDR on ROA at PT. Bank BNI (Persero), Tbk. The population used in this research includes all Financial Statements of PT. Bank BNI (Persero), Tbk. This research used secondary data collection methods. The analysis method employed is multiple linear regression analysis. Based on the test results, Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) simultaneously influence Return on Assets (ROA). Specifically: Capital Adequacy Ratio (CAR) has a positive and significant partial effect on Return on Assets (ROA). Net Interest Margin (NIM) has a positive and significant partial effect on Return on Assets (ROA). Loan to Deposit Ratio (LDR) has a positive and significant partial effect on Return on Assets (ROA).