ANALYSIS OF BANK’S HEALTH LEVEL WITH CAMEL RATIO (CASE STUDY : BANK SUMSEL BABEL)

• Main Author: Wulaningtyas, Endah
• Format: Theses
• Language: Indonesia
• Subjects: Manajemen umum
• Online Access: https://digilib.itb.ac.id/gdl/view/35855
• Institution: Institut Teknologi Bandung

Bank Sumsel Babel is one of the regional development banks. The 2016 Annual General Meeting of Shareholders resulted in an agreement to expand to make them grow further. Bank Sumsel Babel needs capital to expand, one way to get capital is to conduct an Initial Public Offering (IPO). Bank Sumsel Babel plans to conduct an IPO in 2016 but they have to postpone it until 2018. The reason the company decided to go public is to increase additional capital and spread the risk of ownership among a large group of shareholders. One of the factors that banks need to go public is the health of the bank itself, and this study aims to analyze the soundness of Bank Sumsel Babel with PESTEL, SWOT and CAMEL ratios. Bank health is the ability to carry out banking operations and can fulfill all of its obligations and in accordance with applicable banking regulations. The goal itself is to determine whether the bank is very healthy, healthy, quite healthy or unhealthy. A healthy bank is a bank that can carry out its functions well and maintain trust from the public, can carry out its intermediary function, can provide good services to the community, and provide benefits to the economy as a whole. From the analysis of the health level with the CAMEL ratio, it can be seen that Bank Sumsel Babel is in good condition in financial performance. But there is a need to improve the CAMEL ratio component which is related to the profits obtained by the company, followed by making recommendations for increasing the company and several implementation plans.