Banking is a financial institution (financial institution) which has a duty as an intermediary or financial intermediation between parties who have excess funds with parties lacking funds. Credit disbursement is one of the banking functions where funds collected in the form of savings such as savings, demand deposits and time deposits are channeled back to the community in various forms of credit. The amount of funds disbursed in the form of credit will determine the bank profits derived from bank income in the form of interest. The population used in this study are all banking companies listed on the Indonesia Stock Exchange in the period of observation year 2012-2016 a number of 42 banking companies. In accordance with the needs of the sample selection using purposive sampling method so that obtained 29 companies in accordance with the criteria. The variables studied in this research are Capital Adequasy Ratio, Non-Performing Loan and Return on Assets and Loan to Deposit Ratio. Based on the result of testing of Variable Capital Adequasy Ratio, Non-Performing Loan and Return on Assets influence together to Loan to Deposit Ratio. Based on the Residual test shows the three variables affecting 36.27% against the Loan to Deposit Ratio and the rest influenced by other variables. The result of partial correlation shows three hypothesis proposed, two of which are accepted among others H1: Capital Adequasy Ratio (CAR) have positive and significant effect to Loan to Deposit Ratio with significance value equal to 0.0001% and H2: Return on Assets (ROA) have positive and significant to the Loan to Deposit Ratio with a significance value of 0%. One other hypothesis with Non-Performing Loan (NPL) variable was rejected due to not significant to Loan to Deposit Ratio.