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Agnes Thandania Blessky, Herlin Munthe, Bayu Wulandari and Kiki Hardiansyah Siregar 2023. THE EFFECT OF CAR, NIM, BOPO, AND LDR ON ROA IN BUMN BANKS IN THE PERIOD 2013-2022. International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC). 1, 5 (Oct. 2023), 735–744. DOI:https://doi.org/10.61990/ijamesc.v1i5.103.