Jawaban:

Abstrak: Bank merupakan lembaga keuangan yang berperan penting dalam perekonomian suatu negara. Oleh

karena itu, keberadaan bank yang sehat sangat diperlukan. Peningkatan dalam total Aset, Earning After Tax

(EAT), Dana Pihak Ketiga (DPK) dan kredit harus diikuti dengan penurunan pada Non Performing Loan (NPL).

Penilaian kinerja keuangan bank dapat diukur dengan metode CAMEL sesuai dengan Peraturan Bank Indonesia

No.6/10/PBI/2004 tentang Tingkat Kesehatan Bank. Tujuan penelitian ini untuk mengetahui dan menganalisis

perbedaan kinerja keuangan antara PT. Bank Jateng (Bank Jateng) dan PT. Bank DKI (Bank DKI) dengan

menggunakan metode CAMEL periode 2011-2013. Metode penelitian yang digunakan adalah metode rasio

CAMEL (CAR, KAP, PDN, ROA, ROE, BOPO, LDR) dan uji beda independent sample t-test. Hasil penelitian

menunjukkan terdapat perbedaan kinerja keuangan yang signifikan antara Bank Jateng dan Bank DKI dalam

kualitas aset dan manajemen, namun tidak terdapat perbedaan kinerja keuangan yang signifikan dalam modal,

rentabilitas dan likuiditas. Hasil penilaian keseluruhan rasio CAMEL dapat dinyatakan kinerja keuangan Bank

Jateng lebih sehat dari pada Bank DKI. Sebaiknya Bank DKI harus menjaga rasio KAP dan meminimalisir

pelanggaran tingkat rasio Posisi Devisa Neto (PDN) dalam keadaan sehat .

Kata kunci: kinerja keuangan, kesehatan bank, CAMEL

Abstract: Bank is a financial institution that play an important role in the economy of a country. Therefore, the

existence of a healthy bank is indispensable. The increase in total Assets, Earning After Tax (EAT), Third Party

Funds, and Credit should be followed by declining of Non Performing Loan (NPL). Bank financial performance

assessment can be measured with a method of camel in accordance with regulation of Bank Indonesia

No.6/10/PBI/2004 about the soundness of banks. The purpose of this study was to determine and analyze

differences between the financial performance of PT. Bank Jateng (Bank Jateng) and PT. Bank DKI (Bank DKI)

by using CAMEL period 2011-2013. The research method used is CAMEL ratio (CAR, KAP, PDN, ROA, ROE,

BOPO, LDR) and different tests of independent sample t-test. The results showed that there were significant

differences in financial performance between Bank Jateng and Bank DKI in asset quality and management, but

there are no significant differences in financial performance in the capital, profitability and liquidity. Based on

an overall assessment of CAMEL ratio can be stated that the financial performance Bank Jateng is healthier

than Bank DKI. Preferably Bank DKI must maintain a ratio of KAP and minimize violations of the ratio of PDN

in a healthy condition.

semoga membantu