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All Journal Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi
Sukmawati
Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar
Economics, Econometrics & Finance

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Analisis Kinerja Keuangan dengan Menggunakan Metode Camel Pada PT Bank Sulselbar Periode 2019-2024 Sukmawati; Uhud Darmawan Natsir; Anwar; Anwar Ramli; Nurman
SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 4 No. 6 (2026): March
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sinomika.v4i6.907

Abstract

This study aims to assess the financial performance of PT. Bank Sulselbar using the CAMEL method (Capital, Asset, Management, Earnings, Liquidity). Financial statement analysis was conducted to understand the company's financial condition and performance trends, thereby providing a basis for decision-making by management and other stakeholders. This study employs a quantitative approach with a descriptive method. Secondary data comprising PT. Bank Sulselbar’s financial statements from 2019 to 2024 were used. Data analysis was performed based on the CAMEL method, in accordance with Bank Indonesia regulations regarding the assessment of bank soundness. The results indicate that PT. Bank Sulselbar is classified as "sound." The CAR (26.46%) and KAP (0.56%) ratios reflect a sound condition. The NPM ratio (63.08%) falls into the "less sound" category. The ROA (3.01%) and BOPO (37%) ratios indicate a sound condition, whereas the LDR (100.8%) falls into the "unsound" category. Overall, PT. Bank Sulselbar demonstrates good financial performance; however, it needs to improve liquidity management to maintain the bank's stability.
Co-Authors Anwar Anwar Ramli Nurman