Financial health assessment of Bank Danamon using CAMEL and RGEC approaches (2020–2024)

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Published: Oct 31, 2025
Keywords:
bank health, Bank Danamon, financial performance, CAMEL, RGEC

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Nurul Dwi Alimah
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Nadia Putri Valentina
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Mega Tunjung Hapsari
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Ria Rosiana
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Nirina Oktafia Anggraini
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Abstract

This study aims to comprehensively assess the financial health of Bank Danamon during the 2020–2024 period using both the CAMEL and RGEC approaches. Employing a quantitative descriptive method, this research analyzes secondary data derived from the bank’s audited financial statements, literature reviews, and relevant online sources. The CAMEL method evaluates five key aspects—Capital Adequacy, Asset Quality, Management, Earnings, and Liquidity—while the RGEC framework adds dimensions of Risk Profile, Good Corporate Governance, Earnings, and Capital to provide a more holistic assessment. The results indicate that Bank Danamon has maintained a strong capital position and sound asset quality, reflecting its ability to manage credit risk effectively. However, the analysis also reveals challenges in operational management efficiency and profitability, as well as fluctuating liquidity levels throughout the study period. These findings suggest that while the bank remains stable and resilient, continuous improvements in governance practices, digital transformation, and cost management are necessary to enhance long-term financial sustainability. Therefore, Bank Danamon is encouraged to strengthen its management strategies, optimize operational processes, and leverage digital innovation to improve overall financial performance in alignment with regulatory expectations from the Financial Services Authority (OJK).


Keywords: bank health, Bank Danamon, financial performance, CAMEL, RGEC

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Article Details

Issue
Vol. 1 No. 4 (2025): BDJ Fact
Section
Articles

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