Cost of Fund (COF) and Operating Expenses on Operating Income (BOPO) on Profitability in PT Bank Rakyat Indonesia (Persero) Tbk from 2012 to 2021

This study aims to determine the effect of COF and BOPO on ROA at PT Bank Rakyat Indonesia (Persero) Tbk. research method uses a quantitative descriptive design. The sample selection was done by purposive sampling method. population used in this financial summary report equity participation is company's statements for 2012-2021. data multiple linear regression analysis, classical assumption test which includes normality test, multicollinearity heteroscedasticity autocorrelation test. result shows that there model so autoregressive (1) fix problem. new has negative significantly partially, contrast not significant ROA. are affected with AR(1) model.