Financial Performance Analysis of Bank Rakyat Indonesia Using CAMEL Model

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Susanti, Yulita Fairina and Daryanto, Wiwiek Mardawiyah (2017) Financial Performance Analysis of Bank Rakyat Indonesia Using CAMEL Model. International Journal of Business Studies, 1 (2). pp. 76-84. ISSN 2580-0132

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The assessment of financial performance is becoming increasingly important. The Regulation of the Central Bank of Indonesia No.13/24/DPNP/2011 provides the mandatory of measuring Health Level Assessment System of Commercial Banks in Indonesia. The purpose of this study is to measure financial performances of PT. Bank Rakyat Indonesia (Persero), Tbk (BRI) for the period 2011 to 2015, and to determine the strongest correlation among financial ratios in the component of CAMEL. The method used is a CAMEL model, which is divine to Capital (C), Assets Quality (A), Management (M), Earnings (E) and Liquidity (L), and also a statistical method, namely coefficient correlation calculation. The aspects of one another are interrelated and inseparable. The data is collected from the Audited Financial Reports of BRI for the periods of 2011-2015. The result of the study shows that over the last five years, the financial performance achieved by BRI was a healthy predicate respectively. All of the financial ratio performances have complied and achieved above the standards of the Central Bank of Indonesia. And based on coefficient correlation calculation among financial ratios in the CAMEL components, it reveals that between Return on Asset (ROA) and Operating Expense to Operating Income (BOPO) has a strong negative correlation. The five-year trend shows that if the BOPO decrease followed by the increase of ROA, and vice versa. Keywords: Financial performance, CAMEL, Asset Quality, BOPO, Liquidity.

Item Type: Article
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HF Commerce > HF5601 Accounting
H Social Sciences > HG Finance
Divisions: Research And Community Empowerment > Journals
Depositing User: Rizky Amalia
Date Deposited: 17 Jan 2020 03:14
Last Modified: 22 Dec 2021 07:48

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