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Dinda Utari

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Open access Aug 2026

The Effect of Camel Ratios on the Financial Performance of State-Owned Banks During the 2020–2025 Period

This study aims to analyze the effect of the CAMEL ratio proxied with Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Operating Costs to Operating Income (BOPO), and Loan to Deposit Ratio (LDR) on financial performance proxied by Return on Assets (ROA) in state-owned banks for the 20...

Dinda Utari, Geby Citra Ananda, Noni Ardian · 0 citations

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