CAMEL RATIO ANALYSIS ON FOREIGN EXCHANGE NATIONAL PRIVATE BANKS BEFORE AND AFTER API

Helen Fransisca

Abstract


Bank soundness rating system,
which is generally use ve aspects, namely CAMEL
(Capital, Assets, Management, Earning, and Liquidity).
Bank Indonesia has set a policy direction to the future
development of banking known as the Indonesian Banking
Architecture (API) on January 9, 2004 to realize the
national banking system is healthy and strong. This study
aims to (i) determine the health level Foreign Exchange
Bank in the period 2003-2006, (ii) to analyze dierences in
the level of banking performance before and after the API
on the Foreign Exchange Bank. This study uses secondary
data from nancial statements of Bank Foreign Exchange
2003-2006 period that have been processed. Data analysis
methods used is the nancial analysis (CAR, LDR, BO /
PO, ROA, ROE, NPL, and NPM) and statistical analysis
(Two Dierent Test Rata-rata/Two Paired samples T-test).
Two dierent test averages is used to analyze dierences
in nancial performance of banks before and after the
API. The processing of data is using SPSS version 11.5
for Windows and Microsoft Oce Excel 2003. The results
of this study indicate that the CAR, NPLs, NPM and
ROA before and after the API does not dier signicantly
whereas the LDR, ROE and BO / PO dier signicantly
and soundness of banks in a healthy state of the composite
rank one and two.

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