Abstract. This study aims to determine the magnitude of the influence of Net Interest Margin (NIM), Operational Cost / Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) to Return On Assets (ROA) at State-Owned Banks (Bank BNI, Bank Mandiri, Bank BTN, and Bank BRI) for the period 2003-2015. This study uses secondary data obtained from the document in the form of an annual financial report. The design of this study using associative analysis, namely multiple regression analysis. The results show that partially, Net Interest Margin (NIM), Operational Cost / Operating Income (BOPO), and Loan to Deposit Ratio (LDR) have an effect on Return On Assets (ROA). While Non-Performing Loan (NPL) has no effect on Return On Assets (ROA). Simultaneously, the results showed that Net Interest Margin (NIM), Operational Cost / Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL) have an effect on Return On Assets (ROA).Keywords: BOPO; LDR; NIM; NPL; ROA.Abstrak. Penelitian ini bertujuan untuk mengetahui besarnya pengaruh Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO),  Loan to Deposit Ratio (LDR), dan  Non Performing Loan (NPL) terhadap Return On Assets (ROA) pada Bank Umum Milik Negara (Bank BNI, Bank Mandiri, Bank BTN, dan Bank BRI) periode 2003-2015. Penelitian ini menggunakan data sekunder yang diperoleh melalui dokumen berupa laporan keungan tahunan. Desain penelitian ini menggunakan analisis asosiatif, yaitu analisis regresi berganda. Hasil penelitian menunjukkan  bahwa secara parsial, Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), dan  Loan to Deposit Ratio (LDR) berpengaruh terhadap Return On Assets (ROA). Sedangkan Non Performing Loan (NPL) tidak berpengaruh terhadap Return On Assets (ROA). Secara simultan, hasil penelitian menunjukkan bahwa Net Interest Margin (NIM) , Biaya Operasional/Pendapatan Operasional (BOPO),  Loan to Deposit Ratio (LDR), dan  Non Performing Loan (NPL) berpengaruh terhadap Return On Assets (ROA).Kata Kunci: BOPO; LDR; NIM; NPL; ROA.