Analysis of Bank Soundness Levels: Review Report of PT. Bank Bukopin in 2016-2020 Period

  • Halida Sasmita Institut Bisnis dan Keuangan Nitro
  • Setya Ega Susanto Institut Bisnis dan Keuangan Nitro
  • Muh. Djabir. D Institut Bisnis dan Keuangan Nitro
Keywords: CAMEL Method, Bank Soundness Level, Financial Report

Abstract

This research aims to analyze the soundness level of the bank at PT. Bank Bukopin, Tbk in 2016-2020. The research method used in this research is the CAMEL method, which includes Capital, Asset, Management, Earnings, and Liquidity. CAMEL is a tool for analyzing the finances of a bank and assessing bank management established by Bank Indonesia to determine the soundness level of the bank concerned. CAMEL consists of Capital, Asset, Management, Earnings, and Liquidity. In this study, the Capital aspect uses the CAR (Capital Adequacy Ratio) ratio, and the Asset Quality aspect is measured using the NPL (Non-Performing Loans) ratio; the Management Aspect in this study is proxied by using the NPM (Net Profit Margin), while the Earning aspect uses two ratios. Namely, ROA (Return On Asset) and BOPO (Operational Costs to Operating Income) and the Liquidity Aspect is measured using LDR (Loan To Deposit Ratio). The bank soundness level analysis results show that the Capital ratio (Capital) owned by PT. Bank Bukopin, Tbk is categorized in the HEALTHY group because it has met the standards set by Bank Indonesia. For the ratio of Asset Quality (Asset Quality) owned by PT. Bank Bukopin, Tbk is also categorized in the HEALTHY group because of Bank Indonesia regulations. Then, management that is proxied by using NPM (Net Profit Margin) is also organized in the HEALTHY group because it follows Bank Indonesia regulations. For earning ratios and liquidity ratios (liquidity) owned by PT. Bank Bukopin, Tbk is categorized in the HEALTHY group because the calculation results for 2016-2020 have met the standards set by Bank Indonesia.

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Published
2021-05-07
How to Cite
Halida Sasmita, Setya Ega Susanto, & Muh. Djabir. D. (2021). Analysis of Bank Soundness Levels: Review Report of PT. Bank Bukopin in 2016-2020 Period. Point Of View Research Management, 2(2), 67 - 78. Retrieved from https://www.journal.accountingpointofview.id/index.php/POVREMA/article/view/129
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Articles