Electronic Resource

Analisis Rasio CAMEL Sebelum dan Sesudah Merger pada Bank Syariah Indonesia (BSI)

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Objectives: The objective of this research is to examine the differences in financial
ratios before and after the merger of Bank Syariah Indonesia with respect to several
key financial indicators, namely the Capital Adequacy Ratio (CAR), Non
Performing Financing (NPF) ratio, and the Operational Costs to Operational
Income (BOPO) ratio. This study aims to assess how these ratios changed post
merger to understand the financial condition and operational performance of Bank
Syariah Indonesia after the merger.
Methods: This research employs a quantitative method with a descriptive approach
to analyze the differences in financial ratios of Bank Syariah Indonesia before and
after the merger. The study evaluates financial performance using CAMEL ratios
CAR, NPL, BOPO, ROA, and FDR—derived from the annual financial statements
of Bank Syariah Indonesia and other Islamic banks in Indonesia from 2018 to the
first quarter of 2024. The sample is selected using a purposive sampling method,
including financial statements from three years before and three years after the
merger. Data collection techniques include documentation studies from annual
financial reports published by the respective banks, and a literature review of
relevant journals, books, articles, and previous research reports.
Results/findings: The analysis results show that the merger did not bring
significant changes to most of the key indicators, such as CAR, NPF, BOPO, and
FDR. The stable CAR reflects BSI's capital strength post-merger, while the
consistent NPF and FDR indicate effective credit risk management and liquidity
policy. However, there was a significant increase in the ROA ratio, reflecting
improved profitability and asset utilization efficiency. This indicates that the
positive synergies from the merger have begun to materialize, particularly in asset
management and operational efficiency.

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Availability

Detail Information

Series Title

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Call Number

REF 332.1 SAP a

Publisher

Bogor : IAI Tazkia., 2024

Collation

AS

Language

Indonesia

ISBN/ISSN

NIM S.2010102034

Classification

332.1

Content Type

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Media Type

-

Carrier Type

-

Edition

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Subject(s)

Bank Syariah
Merger
BSI
Camel

Specific Detail Info

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Statement of Responsibility

Sukma Winanta Saputri

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