This research aims to know the effect of Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) o n Return on Equity (ROE) ofpublic national private banking period of firsl quarter 2004 through fourth quarter 2008. The r e suit of this research shows that Loan to Deposit Ratio (LDR) doesnJt affect significantly on Return on Equity (ROE) of public national private banking, whereas Capital …