EFFECT OF FINANCIAL PERFORMANCE AND BANKOWNERSHIP ON RETURN ON ASSET IN INDONESIAN BANKING PERIOD 2019-2022

The purpose of this research was analyzed the effect positively and significantly Operating Expenses on Return Assets. This Net Interest Margin Capital Adequacy Ratio Loan to Deposit Bank Ownership Purposive sampling is a technique by determining certain criteria. sample in study are commercial banks Indonesia 2019-2022 period except for Islamic Banks, BPD (Regional Development Banks) Foreign Banks (KCBA, Branch Offices Banks). Panel data analysis hypotheses were tested using Eviews. results show that bank ownership has most positive return assets. percentage company shares held foreign investors. can be an alternative choice when wants control management. companies tend have good focus issue corporate governance, so it's right if increase transparency aspect.Keyword: Financial Performance, Ownership, Profitability, Banking Company.