ANALISIS KINERJA KEUANGAN DENGAN MENGGUNAKAN METODECAMEL (STUDI KASUS PADA PT. BANK SULSELBAR TAHUN 2008-2010)

摘要

The Problems in this study is whether the financial performance at PT. Sulselbar banks using CAMEL (Capital, Asset, Management, Earning and Liquidity) are at a healthy predicate. Therefore, the objectives is to analyze / learn financial performance at PT. Sulselbar banks using CAMEL. So that to achieve that purpose we use the method analysis CAR, KAP, NPM, ROA, BOPO and LDR.udThe results of the assessment of financial performance ratios show that CAMEL is viewed from the aspect of capital owned by PT. Sulselbar bank was above 8%, so the PT. Sulselbar banks have sufficient capital to cover all risks arising from investment of funds in productive assets that support the risk. Then viewed from the aspect of management as measured by net profit margin found to comply with the provisions of Bank Indonesia and other than that of earnings and liquidity aspects are achieved by PT. Sulselbar Bank in accordance with the provisions of Bank Indonesia.udFrom the results of the assessment of financial performance and its relation to the CAMEL ratios it can be said that for the last 3 years (2008-2010) which shows that the financial performance achieved by PT. Sulselbar Banks can be categorized healthy predicate.