Abstract: In this study, the effect of loan to deposit ratio, non-performing loans ratio, other operating expenses ratio, and non-interest income ratio on the return on assets ratio was examined. In the research, the data of 31 banks was analyzed with multiple regression method using the R-Studio Program. As a result of the study, it was found that the loan to deposit ratio, non-performing loans ratio, other operating expenses ratio, and non-interest income ratio simultaneously affect the return on assets significantly. It was observed that the loan to deposit ratio is a significant and positive effect on the return on assets. The effect of non-performing loans ratio on return on assets is statistically insignificant and negative. The effect of the non-interest income ratio on the return on assets is positive and significant. The effect of the other operating expenses ratio on the return on assets is negative and statistically insignificant. The aim of this study is to determine the effect of the loan to deposit ratio on the effective use of bank assets in making profits, to evaluate of non-performing loans together with their place in total credits, to observe the effect of non-interest expenses and other operating expenses on the return on assets, and it is aimed to contribute to other researchers.