Banks may be regarded as the backbone of the economy of a country that has a
function as apn intermediary institution for the surplus and deficit. Therefore
banking performance evaluation is considered important to monitor how the
bank's development from year to year. The purpose of this study was to assess the
performance of banks with proven effect of financial ratios Lending, NonPerforming

Loan (NPL), Capital Adequacy Ratio (CAR), Operating Expenses
Operating Income (BOPO), and Net Interest Margin (NIM) to the Return on
Assets (ROA.

Data contained in this research is secondary data of private national banks and
non-foreign exchange to go public in Indonesia Stock Exchange. The samples
used were 29 national private banks that go public in Indonesia Stock Exchange
in 2011-2014. The analytical method used in this research is using multiple
regression analysis previously performed classical assumption first.

The results of this study indicate that variable Operating Expenses Operating
Income (BOPO) and Lending showed a significant negative effect on Return On
Asstes (ROA). While Non-Performing Loan (NPL) and Capital Adequacy Ratio
(CAR) showed positif and not significant on Return On Asstes (ROA). Net Interest
Margin (NIM) positive and significant impac on Return On Asstes (ROA).

Keyword: Lending, Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR),
Operating Expenses Operating Income (BOPO), Net Interest Margin
(NIM), and Return On Asstes (ROA).