Analisis Tingkat Kesehatan Bank ( TKS ) Berdasarkan Rasio Keuangan (Cael) Pada Pt BPR Prima Nadi, Tahun 2023

Rural Banks (BPR) as financial institutions must maintain good financial performance, because by having good performance, banking institutions, especially BPRs, will become healthy banks and will become institutions that are trusted by the public. This research aims to determine the health level of PT BPR Prima Nadi for the 2023 financial year by analyzing its financial performance based on the CAEL method. Using descriptive research methods and case data collection methods, as well as analysis methods by calculating financial ratios related to the bank's financial performance, the results obtained are that PT BPR Prima Nadi is a BPR that has financial ratio indicators consisting of KPMM/CAR which amounted to 30.89%; KAP ratio of 10.61%; NPL ratio of 11.50%; BOPO ratio of 87.22%; ROA ratio of 1.58%; The cash ratio is 7.70% and the LDR ratio is 57.28%. Of these ratios, the KAP ratio is in the fairly healthy category and the NPL ratio is in the unhealthy category, while the other 5 ratios have exceeded the requirements. as a healthy bank. From the results of the financial performance assessment, it is recommended that PT BPR Prima Nadi continue to improve its financial performance, especially the quality of its productive assets and NPL ratio so that all bank health indicators can be met so that PT BPRPrima Nadi becomes a microfinance institution that can be trusted by the public.