<![CDATA[This study aims to analyze the financial soundness of PT Bank Amar Indonesia Tbk (Amar Bank), a commercial bank listed on the Indonesia Stock Exchange known as one of the digital banks serving the underbanked segment, using the Company's 2025 Annual and Sustainability Report. The background of this research is the importance of periodic bank soundness assessment as required by the Financial Services Authority (OJK), given the bank's role as a financial intermediary and fiduciary manager of public funds that must maintain public trust and financial system stability. The formulation of the problem in this study is how the financial soundness of PT Bank Amar Indonesia Tbk is when analyzed using the CAMEL approach (Capital, Asset Quality, Management, Earning, Liquidity) for the 2024-2025 period. This research uses a descriptive quantitative method with a case study approach. The data used are secondary data obtained from the consolidated financial statements contained in the Company's 2025 Annual Report, comprising the statement of financial position, statement of profit or loss, and key financial ratio highlights. The results indicate that PT Bank Amar Indonesia Tbk is generally categorized as sound, viewed from the capital aspect with a CAR of 98.47% (2025), net asset quality with a Net NPL of 0.83% (2025), and profitability with an ROA of 5.61% and BOPO of 84.78% (2025), all of which are consistent with the OJK's Composite Bank Soundness Rating of Rating 2 (Good/Healthy). However, the liquidity aspect shows pressure in the form of a Loan to Deposit Ratio (LDR) far above the safe threshold, although it shows a significant improving trend from 373.61% (2023) to 138.84% (2025), in line with the Company's significant deposit base growth in 2025.]]>
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