ANALISIS LAPORAN KEUANGAN DENGAN MENGGUNAKAN METODE CAMEL PADA PT BANK BNI (PERSERO) TBK PERIODE 2018-2022

Abstract

A bank is a company that takes money from the general public in the form of savings or savings and then gives it back to the neighborhood as credit or in other ways to raise people's standards of life. Using the CAMEL approach, this research seeks to assess the level of soundness of PT Bank BNI (Persero) Tbk's financial statements for the 2018–2022 period. With this type of research using quantitative data and descriptive research using secondary data, namely financial reports, balance sheets and profit and loss statements of banking companies. The results of the assessment show that PT Bank BNI (Persero) Tbk for 5 periods 2018-2022 is included in the healthy category with a total CAMEL score, namely, in 2018 it was 94.25%, in 2019 it was 94.4%, in 2020 it was 90.87% , in 2021 it will be 96.5%, and in 2022 it will be 95.2%. PT Bank BNI (Persero) Tbk explained that it maintains and is able to provide guarantees for deposits made by its customers, so that research shows that the assessment of the soundness level of PT Bank BNI (Persero) Tbk's financial statements is included in the Healthy category.

Keywords: Banks; CAMELS; Financial Statements