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Mohammad Syaiful Syuib
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Financial statement analysis using camel method to assess health level at pt bank ibk indonesia tbk period 2020-2022 Mohammad Syaiful Syuib; Lailatul Munawaroh
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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Abstract

The Covid-19 pandemic has caused a significant decline in banking performance and health. One of the banks affected by Covid-19 is IBK Indonesia. This study aims to analyze the health of PT. Bank IBK Indonesia Tbk uses the Camel ratio. This research applies a quantitative approach with a descriptive type of research. The data method uses a literature study. The study sample is financial activity for three years, starting from 2020 to 2023. The results of this study show: 1) Capital value has a positive relationship with the health of IBK Indonesia bank. In 2020, the CAR value of bank IBK Indonesia was 23.56%, 39.71% in 2021, and 42.86% in 2022; 2) The value of assets has a negative relationship with the health of Bank IBK Indonesia. In 2020, the public accounting value of IBK Indonesia was 23.56%, 25.26% in 2021, and 22.68% in 2022; 3) Management value has a positive relationship with the health of IBK Indonesia bank. In 2020, the NPM value of bank IBK Indonesia was 5.32%, 21.15% in 2021, and 94.35% in 2022; 4) The value of income has a positive relationship with the health of bank IBK Indonesia. In 2020, the ROA value of bank IBK Indonesia was 1.75%, while BOPO was 9.83%. In 2021, the ROA value of bank IBK Indonesia was 0.07, while the BOPO value was 5.02%. In 2022, the ROA value will reach 0.52, while the BOPO will be 3.01; 5) The liquidity value has a positive relationship with the health of Bank IBK Indonesia. In 2020, the FDR value of bank IBK Indonesia was 62.05%, 52.48% in 2021, and 55.05% in 2022.