DOI: 10.11648/j.ijefm.20241206.17 ISSN: 2326-9561

Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023)

Eka Sutisna, Raihan R, Edi Suhara, Rabia Rahmania
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Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the CAMEL Method (Study at PT. Bank Rakyat Indonesia (Persero), Tbk). This study aims to determine whether PT. Bank Rakyat Indonesia (Persero), Tbk experiences differences in financial health as measured by CAMEL (Capital, Assets, Earnings and Liquidity) between during and after the COVID-19 pandemic. The method used in this analysis is the Descriptive Method with a Quantitative Approach. The data used are the Financial Reports of PT. Bank Rakyat Indonesia (Persero), Tbk for the period 2020 - 2023. and the data analysis technique uses the CAMEL Method. The results of the study show that CAMEL PT. Bank Rakyat Indonesia (Persero), Tbk During and After the COVID-19 Pandemic is declared healthy. Average CAR BRI During COVID-19 23.60% and CAR BRI After COVID-19 23.60%, Average KAP During COVID-19 1.76% and After COVID-19 1.96%, Average NPM During COVID-19 72.45% and After COVID-19 78.64%, Average ROA During COVID-19 2.82% and After COVID-19 3.93% and Average LDR During COVID-19 82.76% and After COVID-19 84.73%. Bank BRI was able to face the economic crisis during COVID-19 and was consistently able to maintain its financial performance well.

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