This study was made with the aim of examining the effect of the variable Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets. State-owned enterprises (BUMN) were used as research objects for the 2012-2019 period, which consisted of 4 banking companies. The analysis technique used is multiple regression analysis. But beforehand, the classi…