ANALISIS PERBANDINGAN KINERJA BANK UMUM MILIK NEGARA DAN BANK UMUM SWASTA DENGAN MENGGUNAKAN METODE CAMELS

Abstract

The research aimed to determine the comparison between the performance of state general bank and privet general bank by using CAMELS method which consist of Capital, Asset, Management, Earning, Liquidity, and Sensitivity to Market Risk. The determination is by comparing the whole results of CAMELS, which the calculation was done based on the regulation from Bank of Indonesia. The research was an empirical study that used three samples for state general bank and ten samples for private general bank which were taken by purposive sampling technique. The data that was used in this research is secondary data. There are nine financial ratio were used, there are: Capital Adequacy Ratio (CAR), Bad Debt Ratio (BDR), Produktive Activate Quality Ratio (KAP/Kualitas Aktiva Produktif), Operational Expense on Operational Income Ratio (BOPO), Net Call Money to Current Asset (NCM to CA), and Sensitivity to Market Risk. A comprehensive evaluation on the hypothesis was done by using Independent Sample T Test, because all of the observed data was normal distributed. The result of the research suggests that there is no signifikan difference between the performance of state general bank and private general bank that was determine by CAMELS method.