This research aimed to test the effect of Structure, Conduct and
Performance, Third-Party Funds and Diversified Credit toward Profitability
(ROA). The structure, conduct and performance measured by Concentration
Ratio, Asset Growth, Capital Adequacy Ratio (CAR),and Loan to Deposit Ratio
(LDR) variables. Data analysis was performed on the banking industry listed in
Indonesia Stock Exchange during 2014-2016 period. The results of the data
analysis used multiple linear regression analysis shown Concentration Ratio had
unsignificantly positive effect toward Profitability, influential Asset Growth had
unsignificantly negative effect toward Profitability, Capital Adequacy Ratio
unsignificantly positive effect toward Profitability, Loan to Deposit Ratio
significantly positive effect toward Profitability, influential Third-Party Fund had
unsignificantly negative effect toward Profitability, and Diversified significantly
had significantly positive effect toward Profitability of banking industry in
Indonesia.