ANALISIS LAPORAN KEUANGAN UNTUK MENILAI AKUNTABILITAS KINERJA KEUANGAN PT. BANK PANIN INDONESIA TBK TAHUN 2010 - 2012 / INDRI MELISSA / S1.2012.016 / PEMBIMBING I : BUDIHARDJO / PEMBIMBING II : YUSTIANA WARDHANI

The results of the assessment of financial performance ratios show that Capital, Asset Quality, Management, Earnings, and Liquidity (CAMEL) is viewed from the aspect of capital owned by PT. Panin Bank, Tbk was above 8%, so the PT. Panin Bank, Tbk have sufficient capital to cover all risks arising from investment of funds in productive assets that support the risk. Then viewed from the aspect of management as measured by net profit margin found to comply with the provisions of Bank Indonesia and other than that of earnings and liquidity aspects are achieved by PT. Panin Bank, Tbk in accordance with the provisions of Bank Indonesia. From the results of the assessment of financial performance and its relation to the CAMEL ratios it can be said that for the last 3 years (2010-2012) which shows that the financial performance achieved by PT. Panin Bank can be categorized healthy predicate.