Financial Performance Analysis of Pt Bank Danamon Indonesia, Tbk Using Camel Model

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Daryanto, Wiwiek Mardawiyah and Yamin, Adi Perkasa (2019) Financial Performance Analysis of Pt Bank Danamon Indonesia, Tbk Using Camel Model. International Journal of Innovation, Creativity and Change, 8 (11). pp. 418-434. ISSN 2201-1323

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Abstract

The purpose of this research is to analyse the financial performance analysis of PT Bank Danamon Indonesia, with the application of the CAMEL (C-Capital, A-Asset, M-Management, E-Earning, LLiquidity) method which consists of Capital Adequacy Ratio (CAR) to assess Capital Adequacy, Non-Performing Loan (NPL) to assess Asset Quality, Net Profit Margin (NPM) to assess Management Quality, Return on Assets (ROA) and Operating Expense to Operating Income (BOPO) to assess Earning/ Profitability and Loan to Deposit Ratio (LDR) to assess Liquidity. Then, the percentage number of CAR, NPL, NPM, ROA, BOPO and LDR will be used as a map towards CAMEL Composite Rating based on the Bank Indonesia Regulation Number 6/10/PBI/2004, to indicate the bank’s health level from each component. The source data has been obtained from the Audited Financial Reports of Danamon for the periods of 2013 to 2017. The results of the research indicates that Capital, Asset and Earning of PT Bank Danamon Indonesia, Tbk. was a strong, or very healthy predicate. Whereas Management and Liquidity were fair, or a quite healthy predicate.

Item Type: Article
Subjects: H Social Sciences > HG Finance
Divisions: Research And Community Empowerment > Journals
Depositing User: Dr. Wiwiek Mardawiyah Daryanto
Date Deposited: 15 Dec 2020 07:43
Last Modified: 22 Dec 2021 03:22
URI: http://repository.ipmi.ac.id/id/eprint/1035

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