ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK PEMERINTAH DAN BANK SWASTA MENGGUNAKAN METODE CAMEL

Abstract

Banking industry has experienced many changes in the last years. This industry has become more
competitive becauseof variousregulationswhich have been set by Bank of Indonesia. State Commercial Banks and
Private CommercialBanks haveexperienced tight competition in order to attract customers whose desiresin
having banking services are always changes. This research is aimed to find out the comparison the financial
performance between state commercial banks which are owned by the government and private commercial
Bankswhich are owned by private owners in Indonesia by using CAMEL method (Capital, Asset, Management,
Earnings, Liquidity). This research is quantitative research and it has been done by using comparing average of
two paired samplesmethod from two independent population. The samples have been selected by using purposive
sampling. The analysis technique has been carried out by using independent sample t-test for the data which is
normally distributed whereas the data which is not normally distributed is done by usingmann-whitney.The
result of this research shows that NPL, NPM and ROA have been proven that there are no significant different
between the financial performance of Bankswhich are owned by Government and Bankswhich are owned by
privates, meanwhile ratio CAR, BOPO and LDR are proven that there aresignificant different between financial
performance Banks which are owned by the Government and Banks which are owned by privates.
Keywords:State commercial bank, private commercial bank, bank financial performance, financial ratio,
CAMEL.