This study aims to demonstrate empirically Determinants of Lending Banks and Implications Return On Asset on the bank listed on the Indonesia Stock Exchange in 2010-2014. Factors that influence the amount of Lending and the implications for ROA consists of: ROA ratio, CAR, GWM, LDR, NIM, NPL, and PDN. Methods using panel data (Cross Section and Time Series Data) with the help of Eviews Software ... [Show full abstract] 9, then determine the most appropriate estimation models using a Hausman Test, Chow Test, and Lagrange Multiplier Test. The results showed that the determinant Total Lending, variables that significantly and the most dominant influence is NIM negative direction. Testing together shows that the variable ROA, CAR, GWM, LDR, NIM, NPL, and PDN affect Lending. Implications for ROA indicates that the variable ratio ROA, CAR, LDR and NPL ROA affect negatively, while variable reserve requirement, NIM, PDN and Lending positively affect ROA. The test is jointly concluded that the variable ROA, CAR, GWM, LDR, NIM, NPL, PDN and Lending jointly affect ROA of banks listed on the Stock Exchange. JPK variable on the dependent variable the first model did not significantly affect the ROA. This means that changes in the amount of bank lending did not contribute to the performance of banking profitability (ROA).