HEALTH RATIO AND ITS RELATION WITH BANKING FINANCIAL PERFORMANCE

Yuhasril
Faculty of Economics and Business, Mercu Buana University, Jakarta

Vol 17, No 06 ( 2022 )   |  DOI: 10.5281/zenodo.6723768   |   Licensing: CC 4.0   |   Pg no: 123-135   |   Published on: 24-06-2022

Abstract
This study aims to determine and analyze the CAMEL ratio to the financial performance of commercial banks listed on the Indonesia Stock Exchange (2010 - 2019) with the financial ratio variables used, namely Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Bank Efficiency (BOPO), Loan to Deposit Ratio (LDR) Against financial performance (ROA). The sample of this research is the general banking financial companies listed on the IDX, amounting to 9 companies. However, based on the completeness of the data, only 6 companies were sampled during the observation period from 2010 - 2019. The data in this study came from secondary data obtained through documentation techniques, and data analysis with multiple regression using the Eviews program version 10. The results of this study are Capital Adequacy Ratio has an effect on Return on Assets, Non-Performing Loan does not affect Return on Assets, Net Interest Margin has an effect on Return on Assets, Bank Efficiency has an effect on Return on Assets and Loan to Deposit Ratio has no effect on Return on Assets.

Keywords:
Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Bank Efficiency (BOPO), Loan to Deposit Ratio (LDR), Return on Assets

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