Analysis of Bank Health Levels Using the Camel Method at BUMN Commercial Banks Listed

Purpose: This study uses the CAMEL method to evaluate the health level of state-owned banks listed on the Indonesia Stock Exchange (IDX) from 2018 to 2022, which includes aspects of capital adequacy, asset quality, management, earnings, and liquidity. Research Design and Methodology: This study uses secondary data from the annual financial statements of four state-owned banks selected through purposive sampling. The CAMEL method was applied to analyze the financial soundness of these banks. Findings and Discussion: The results show that state-owned banks generally maintained a healthy financial condition during the study period, although there were fluctuations in some financial ratios, such as NPM and ROA. This indicates the need to improve operational efficiency and cost management. Implications: This study guides bank management in improving operational efficiency and risk management to maintain financial stability. Regulators can also use these findings to evaluate and improve banking policies. Novelty: The novelty of this study lies in the holistic approach that integrates all CAMEL components, providing a comprehensive view of the health of state-owned banks in Indonesia.