This research is performed on order to test analysis the influence of the Loan to Deposit Ratio (LDR). Non Performing Loan (NPL) and Operational Efficiency Ratio (OER) toward Return On Asset (ROA) On Foreign Exchange Banks In Indonesia Period 2010-2012. Methodology research as the sample used purposive sampling. sample was accrued from foreign banks in Indonesia. https://megavitamines.shop/product-category/herbs/