This study aims to analyze the effect of CAR, NPL and LDR on ROA in state-owned banks that go public in Indonesia for the period 2012-2019. ROA shows the comparison between profit before tax and total assets / assets. So it is important for banks to analyze a number of influences to determine the targeted ROA according to banking conditions and economic conditions. The data used in this study …
Research is conducted in order to see financial performance through financial ratio analysis. This study uses a quantitative descriptive approach. This study uses data with quantitaive and qualitative types. The object is PT HM Sampoerna Tbk, which belongs to the largest cigarette company and is on Indonesia Stock Exchange. To get data, namely by documentation and using the company’s publishe…