Financial Performance Analysis to Measure the Level of Bank Health In PT. People's Bank of Indonesia (Persero) Tbk.

This study aims to determine or analyze financial performance to measure the soundness of banks at PT. Bank Rakyat Indonesia (Persero) Tbk in 2018 to 2020 to see if PT. Bank Rakyat Indonesia (Persero) Tbk in the predicate of healthy or unhealthy. Data collection techniques in this study is to use secondary data. The results of the research data that have been obtained are analyzed first with financial ratios, then the final CAMEL value is determined in each period by multiplying the credit value of each ratio with the CAMEL weight that has been set by Bank Indonesia. The ratios used include Capital (Capital) using the Capital Adequeency Ratio (CAR), Asset Quality (Asset Quality) using the productive asset quality ratio (KAP) The ratio of productive assets classified to the total earning assets, Management (Management) using the ratio of Net Profit Margin (NPM), Earning (Rentability) using the ratio of Gross Profit to Business Volume (Return on Assets / ROA) and the Ratio of Operating Costs to Operating Income (BOPO), and Liquidity (Liquidity) using the ratio Loan on Deposit Ratio (LDR) ). The results of this study show that the final value of CAMEL in 2018 was 92.2, in 2019 it was 92.5 and in 2020 it was 89.5. All of these results are in the range of 81% - 100% with a healthy predicate. Thus it can be concluded that the financial performance using the CAMLE method at PT. Bank Rakyat Indonesia (Persero) Tbk from 2018 to 2020 is in a healthy predicate. [ABSTRACT FROM AUTHOR]

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