Mathematical Sciences and Applications Journal
Vol. 4 No. 1 (2023): Mathematical Sciences and Applications Journal

Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode CAMELS pada PT. Bank Pembangunan Daerah Jambi Periode 2015-2019

Ellys Agustina (Program Studi Aktuaria, Fakultas Matematika dan Ilmu Pengetahuan Alam, Institut Teknologi Bandung, Bandung 40132, Indonesia)
Panji Jiblathar (Departemen Statistika, Fakultas Sains dan Analitika Data, Institut Teknologi Sepuluh Nopember, Surabaya 60115, Indonesia)



Article Info

Publish Date
31 Oct 2023

Abstract

The structured and integrated management of economic resources has a significant impact on a nation's economic growth. Banks, as crucial financial institutions, play a pivotal role in the stewardship of these economic resources. This article delves into an analysis of the banking health level using the CAMELS method for PT. Bank Pembangunan Daerah Jambi during the period from 2015 to 2019. The CAMELS method is employed to evaluate the bank's health across various indicators, encompassing Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. This assessment holds paramount importance given the micro and macro economics ramifications that banks exert on the economy. The analysis reveals that PT. Bank Pembangunan Daerah Jambi during the aforementioned period falls within the "Healthy" category based on CAMELS ratios. The Capital Adequacy Ratio (CAR) consistently exceeds 8%, and asset quality (Kualitas Aktiva Produktif - KAP) remains in a favorable category. The bank's management displays robust performance, with a commendable Net Profit Margin (NPM). Furthermore, the Return on Assets (ROA) also demonstrates a commendable performance. The bank maintains adequate liquidity with an appropriate Loan-to-Deposit Ratio (LDR). This analysis aids in assessing the bank's health and provides a deeper understanding of how it manages resources and risks. Consequently, PT. Bank Pembangunan Daerah Jambi appears to exhibit solid performance during this period, contributing to the economic stability of Jambi Province.

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Journal Info

Abbrev

msa

Publisher

Subject

Decision Sciences, Operations Research & Management Mathematics

Description

The scope of this journal including is Real Analysis Algebra Applied mathematics Computational Mathematics Applied Statistics Actuarial mathematics and ...