This study aims to test empirically the effect saves Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Credit Risk (NPL), and Operational Efficiency (ROA) to Profitability Banking Companies (ROA) listed on the Indonesia Stock Exchange (IDX) the period 2013-2015. Research was conducted on the financial statements issued in the Indonesian Stock Exchange (BEI) using 40 banking companies as research objects. Sampling using purposive sampling method. The data used is the cross section of the years 2013-2015. The technique of collecting data from the annual reports of banks in Indonesia and analyzed using descriptive statistics test, classic assumption test. Hypothesis testing is done using a multiple linear regression analysis. The results showed that 1) DPK has no influence on ROA, 2) CAR has no influence on ROA, 3) NPL has a negative effect on ROA, and 4) ROA has a negative effect on ROA.