Pada tahun 2012 salah satu Bank Umum Swasta Nasional Devisa Yang Terdaftar Di Bursa Efek Indonesia mengalami penurunan non performing loan yang seharusnya ketika non performing loan menurun diikuti dengan peningkatan profitabilitas (ROA), akan tetapi bank tersebut mengalami penurunan profitabilitas (ROA). Pada tahun 2012 pula salah satu Bank Umum Swasta Nasional Devisa Yang Terdaftar Di Bursa Efek Indonesia mengalami peningkatan pertumbuhan deposito yang seharusnya ketika pertumbuhan deposito meningkat diikuti dengan peningkatan profitabilitas (ROA), akan tetapi bank tersebut mengalami penurunan profitabilitas (ROA). Tujuan penelitian ini untuk mengetahui Pengaruh Non Performing Loan terhadap Profitabilitas (ROA) dan Pertumbuhan Deposito terhadap Profitabilitas (ROA). Metode analisis dalam penelitian ini adalah metode Deskriptif dan Verifikatif dengan pendekatan Kuantitatif serta uji yang digunakan Regresi Linier Berganda dan uji hipotesis untuk menguji koefisien regresi. Data yang digunakan adalah laporan tahunan yang terdiri dari neraca, laba/rugi, dan perhitungan rasio keuangan Bank Umum Swasta Nasional Devisa Yang Terdaftar Di Bursa Efek Indonesia Periode 2010-2014. Hasil penelitian menunjukan bahwa non performing loan memiliki pengaruh negatif signifikan terhadap profitabilitas (ROA). Begitu juga dengan pertumbuhan deposito mempunyai pengaruh positif signifikan terhadap profitabilitas (ROA).

In the 2012, one of National Private Commercial Banks Devisa which is listed in Indonesia Stock Exchange has a reduction of non performing loan that should be when non performing loan decreased and followed by increasing profitability (ROA), however the bank has a reduction of profitability (ROA). In the 2012, one of Private Commercial Banks Devisa which is listed in Bursa Effect Indonesia has an increased in deposite growth which is when deposite growth is increase following with increasing profitability (ROA), however the bank has a decreased on profitability (ROA). The aim of the research is to find out the effect of Non Performing Loan to Profitability (ROA) and Deposit growth to Profitability (ROA). The analysis method from this research is Descriptive and Verificative methods with approcing of quantitative and the test which is used Double of Linier Regression and the hypothesis test for testing the coefficient of regression. The data which is used is finance report which is consist of annual report and the carculation of the ratio finance of National Private Commercial Banks Devisa Listed On The Indonesia Stock Exchange Period 2010-2014) The result of the research shows that non performing loan has a bad significant influence for profitability. So it does for the deposite accretion, it has a great significant influence for profitability (ROA).

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