ANALISIS CAMEL DALAM MEMPREDIKSI KESEHATAN KEUANGAN PADA PT. BANK RAKYAT INDONESIA (PERSERO) , Tbk DAN PT. BANK TABUNGAN NEGARA (PERSERO) , Tbk. PERIODE 2018-2022

Abstract

The purpose of this study was to assess the financial health of PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk using the CAMEL (Capital, Asset Quality, Management, Earning, Liquidity) method. The research object is PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. The type of research used is qualitative and quantitative. The type of data used is secondary data, and the sample used is data on the financial statements of PT BRI (Persero) Tbk and PT. BTN (Persero) Tbk. for 2018-2022. Based on the research results, it was found that the CAR ratio at BRI from 2018 to 2022 is in the range of ≥ 12% (very healthy). KAP ratio is in the range ≤ 2% (very healthy). The NPM ratio is in the range of 66% - ≤ 80% (fairly healthy) except for 2020 it will be in the range ≥ 51% - 65% (unhealthy). The ROA ratio is in the range > 1.5% (very healthy). The BOPO ratio is in the range ≤ 94% (very healthy). And for the LDR ratio from 2018 to 2021 it will be in the range of 85% - ≤ 100% (healthy enough), and in 2022 it will be in the range of 75% - ≤ 85% (healthy). Meanwhile, the CAR ratio for BTN from 2018 to 2022 is in the range of ≥ 12% (very healthy). The KAP ratio in 2018 is in the range of ≤ 2% (very healthy) and in 2019 to 2022 is in the range of 2% - ≤ 3% (healthy). The NPM ratio is in the range of 51% - ≤ 65% (unhealthy) except in 2019 it is in the range of ≤ 50% (unhealthy). The ROA ratio in 2018 was in the range of 0.5% - ≥ 1.25% (fairly healthy), in 2019 it was in the range 0% - 0.5% (unhealthy), in 2020 to 2022 it was in the range of 0.5% - ≤ 1.25 % (quite healthy). The BOPO ratio is in the range ≤ 94% (very healthy) except in 2019 it is in the range > 97% (unhealthy). And for the LDR ratio from 2018 to 2019 it will be in the range of 100% - ≤ 120% (unhealthy) and from 2020 to 2022 it will be in the range of 85% - ≤ 100% (fairly healthy). So that from the results of calculations and comparisons with the CAMEL method, it is obtained that the company that has a higher level of financial soundness for five years is PT BRI (Persero) Tbk.

Keywords: Bank Health, BRI, BTN, CAMEL