Islamic bank is an institution which collects the fund and gives it to the people through Islamic system and mechanism; it also supports the national development at the end. The research examines the effect of capital sufficiency level as measured by the Capital Adequacy Ratio (CAR), Liquidity as measured by Financing to Deposits Ratio (FDR), Market Risk as measured by Net Operating Margin (NOM), Credit Risk as measured by Non Performing Financing (NPF) to the Financial Performance as measured by Return On Assets (ROA), In Islamic bank in general.
Purposive sampling was applied to select the sample through Islamic bank criteria which present yearly financial report from 2010-2014. The data analysis applied in the research was descriptive statistic, classical assumption test, double regression analysis, determinant test (R2) and hypothesis test with the level of significant 5%.
The analysis proved that partially FDR positively affected to ROA with significant, meanwhile CAR, NOM, and NPF showed no effect to ROA. CAR, FDR, NOM, and NPF variables simultaneously effected to ROA with significant.