<![CDATA[This study aims to determine the effect and impact of the Capital Adequacy Ratio (X1 ) and Operational Expenses on Operating Income (X2 ) on Return on Assets (Y) at PT Bank Mandiri (Persero). Tbk. The method used is explanatory research. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of the research conducted indicate that the Capital Adequacy Ratio (X1 ) does not have a significant effect on Return on Assets (Y), the determination value is 74.8%, the hypothesis test is obtained by count <ttable or (- 3.851 <2.571). Operational Expense on Operating Income (X2 ) has no significant effect on Return on Assets (Y) with a determination value of 97.1%, hypothesis testing is obtained tcount <ttable or (- 13.010 <2.571). Capital Adequacy Ratio (X1 ) and Operating Expenses to Operating Income (X2 ) simultaneously have a significant effect on Return on Assets (Y), the regression equation Y = 8,202 - 0.017X1 - 0.074X2 and a determination value of 97.4%, hypothesis testing is obtained with Fcount> Ftable or (73,717> 6,590). Abstrak Penelitian ini bertujuan untuk mengetahui Pengaruh Capital Adequecy Ratio (X1) dan Beban Operasional terhadap Pendapatan Operasional (X2) Terhadap Return on Asset (Y) Pada PT. Bank Mandiri (Persero). Tbk. Metode yang digunakan adalah explanatory research. Teknik analisis menggunakan analisis statistik dengan pengujian regresi, korelasi, determinasi dan uji hipotesis. Hasil penelitian ini Capital Adequecy Ratio (X1) tidak berpengaruh signifikan terhadap Return on Asset (Y), nilai determinasi sebesar 74,8%, uji hipotesis diperoleh t hitung < t tabel atau (- 3,851 < 2,571). Beban Operasional terhadap Pendapatan Operasional(X2) tidak berpengaruh signifikan terhadap Return on Asset (Y) dengan nilai determinasi sebesar 97,1%, uji hipotesis diperoleh t hitung < t tabel atau (- 13,010 < 2,571). Capital Adequecy Ratio (X1) dan Beban Operasional terhadap Pendapatan Operasional (X2) secara simultan berpengaruh signifikan terhadap Return on Asset (Y) diperoleh persamaan regresi Y = 8,202 - 0.017X1 - 0.074X2 dan nilai determinasi sebesar 97,4%, uji hipotesis diperoleh nilai F hitung > F tabel atau (73,717 > 6,590) Kata Kunci : Capital Adequacy Ratio, Beban Operasional terhadap Pendapatan Operasional, Return on Asset]]>
