The Role of Financial Statements using the Camel Ratio Method to Assess Financial Performance at BNI Banks Registered at OJK

Enny Istanti (Departement of Economics and Business, University of Bhayangkara Surabaya)
Achmad Daengs GS (Departement of Economics, University of 45 Surabaya)
Ruchan Sanusi (Departement of Economics and Business, University of Bhayangkara Surabaya)
Sutopo Sutopo (Departement of Economics and Business, University of Bhayangkara Surabaya)
RM Bramastyo KN (Departement of Economics and Business, University of Bhayangkara Surabaya)
Syafi’i Syafi’i (Departement of Economics and Business, University of Bhayangkara Surabaya)

IJEBD (International Journal Of Entrepreneurship And Business Development)
Vol 5 No 6 (2022): November 2022

Purpuse: The aim is to determine the soundness of Bank Negara Indonesia (BNI in the 2017-2019 period, of which all four are State-Owned Enterprises (BUMN). Design/methodology/approach: The analysis carried out is a qualitative analysis using the CAMEL ratio method (CAR, KAP, NPM, ROA&BOPO, LDR). Findings: The results of the research in the last 3 years after being measured by the applicable standard Bank Indonesia regulations, it was found that the average soundness level of state-owned banks was in the Unhealthy Predicate. State-owned banks should improve their financial performance to increase the title as a healthy or very healthy bank because SOEs are banks that have the largest assets in Indonesia. Practical implications: Increasing the predicate as a healthy or very healthy bank because BUMN is the bank that has the largest assets in Indonesia. Originality/value: This paper is genuine paper type: research paper