International Journal of Business Studies
Vol 1 No 2 (2017): International Journal of Business Studies (IJBS)

Financial Performance Analysis of Bank Rakyat Indonesia Using CAMEL Model

Yulita Fairina Susanti (Sekolah Tinggi Manajemen Ipmi)
Wiwiek Mardawiyah Daryanto (Sekolah Tinggi Manajemen Ipmi)



Article Info

Publish Date
25 Sep 2018

Abstract

The assessment of inancial performance is becoming increasingly important. The Regulation of the Central Bank of IndonesiaNo.13/24/DPNP/2011 provides the mandatory of measuring Health Level Assessment System of Commercial Banks in Indonesia. Thepurpose ofthis study is to measure inancial performances ofPT. Bank Rakyat Indonesia (Persero), Tbk (BRI) for the period 2011 to 2015,and to determine the strongest correlation among inancial ratios in the component ofCAMEL. The method used is a CAMEL model, whichis divine to Capital (C), Assets Quality (A), Management (M), Earnings (E) and Liquidity (L), and also a statistical method, namely coeficientcorrelation calculation. The aspects of one another are interrelated and inseparable. The data is collected from the Audited FinancialReports of BRI for the periods of 2011-2015. The result of the study shows that over the last ive years, the inancial performance achievedby BRI was a healthy predicate respectively. All of the financial ratio performances have complied and achieved above the standards oftheCentral Bank of Indonesia. And based on coeficient correlation calculation among inancial ratios in the CAMEL components, itreveals that between Return on Asset (ROA) and Operating Expense to Operating Income (BOPO) has a strong negative correlation. Theive-year trend shows that if the BOPO decrease followed by the increase ofROA, and vice versa.

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Journal Info

Abbrev

ijbs

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

International Journal of Business Studies (IJBS) is an international open access and peer-reviewed journal published tri-annually in February, June, and October by IPMI Research Center, Sekolah Tinggi Manajemen IPMI. IJBS aimed to provide research articles in order to have a significant implication ...