Bank Health Level Analysis Using The Camel Method At Pt. Bank Tabungan Negara (Persero) TBK

Abstract

This study aims to determine the level of health at PT. Bank Tabungan Negara (Persero) Tbk using the CAMEL approach in 2018-2020. This research is a descriptive research with a quantitative approach. The data used in this study is secondary data obtained from the financial statements of PT Bank Tabungan Negara (Persero) Tbk. Sources of data used in this study are primary and secondary data. The data collection technique used in this study is a non-participant observation technique by looking at the financial reports and annual reports published by the company. The data analysis technique used in this study is the assessment of the soundness of the State Savings Bank using the CAMEL approach which consists ofCapital, Asset, Management, Earning and Liquidity with CAR, NPL, NPM, ROA, BOPO, and LDR ratios. The results showed that the health level of Bank BTN from 2018 to 2020 fluctuated because in 2018 it was ranked 2 or HEALTHY, then in 2019 it was downgraded to 4 or LESS HEALTHY, then in 2020 it was upgraded to 3 or ENOUGH HEALTHY.