ANALISIS KINERJA KEUANGAN UNTUK MENILAI KESEHATAN BANK PADA PT BANK RAKYAT INDONESIA (PERSERO) Tbk DENGAN MENGGUNAKAN METODE CAMEL (PERIODE TRIWULAN 2021-2022)

Abstract

The purpose of this study is to determine and analyze the assessment of the Bank's health level using the CAMEL, (Capital), (Asset Quality), (Management), (Earning), (Liquidity) method at PT Bank Rakyat Indonesia (Persero) Tbk for the 2021-2022 quarter period in terms of the ratio of CAR, KAP, NPM, ROA, BOPO and LDR.

The analysis tools used are Capital Adequacy Ratio (CAR), Quality of Productive Assets (KAP), Net Profit Margin (NPM), Return On Assets (ROA), Operating Expenses to Operating Income (BOPO), Loan To Deposit Ratio (LDR). The data required is 2 years, namely 2021 – 2022 obtained from PT Bank Rakyat Indonesia (Persero) Tbk.

The results showed that: 1) The Bank's health level at PT Bank Rakyat Indonesia (Persero) Tbk for the 2021-2022 quarter period in terms of the Capital Adequacy Ratio (CAR) obtained a very healthy predicate. 2) The Bank's health level at PT Bank Rakyat Indonesia (Persero) Tbk for the 2021-2022 quarter period in terms of the Quality of Productive Assets (KAP) obtained a healthy predicate. 3) The Bank's health level at PT Bank Rakyat Indonesia (Persero) Tbk for the 2021-2022 quarter period in terms of Net Profit Margin (NPM) obtained a fairly healthy predicate. 4) The Bank's health level at PT Bank Rakyat Indonesia (Persero) Tbk for the 2021-2022 quarter period in terms of Return On Asset (ROA) obtained a fairly healthy and very healthy predicate. 5) The Bank's health level at PT Bank Rakyat Indonesia (Persero) Tbk for the 2021-2022 quarter period in terms of Operating Expenses to Operating Income (BOPO) obtained a very healthy predicate. 6) The Bank's health level at PT Bank Rakyat Indonesia (Persero) Tbk for the 2021-2022 quarter period in terms of the Loan To Deposit Ratio (LDR) obtained a fairly healthy predicate.