The Banking business receives deposits from depositor and expands loans o debitors. To know banking financial performance, we can see from the Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL) and Return On Assets (ROA). The objectives of this research are to know the impact of (1) LDR to ROA in the Banking Sector (2) NPL to ROA and (3) independent variables LDR and NPL to the dependent va…