ABSTRACT: This study aimed to test the effect of CAR, LDR, NIM, NPL, and OEOI on ROA. This study was in the form of associative research and used a quantitative approach. The sample selected from the population was banks that were included in the BUKU 4 category and were listed on the IDX for the 2015-2019 periods. The type of data used in this study was panel data (panel pooled data). The analysis technique used was panel regression. The results show that CAR, OEOI ratios have a significant negative effect on profitability with the proxy of ROA, NIM has a significant positive effect on ROA, while LDR and NPL do not have a significant effect on ROA at BUKU IV Banks in the 2016 – 2019 periods. Based on these results, the banks that are the research samples, especially BUKU IV Banks need to increase NIM and maintain the ability of CAR and OEOI in order to generate higher profits. Furthermore, it is also necessary to carry out further research with comparison between BUKU IV and III Banks.

KEYWORDS – CAR, LDR, NIM, NPL, OEOI, ROA, Buku IV Banks