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Analisis RGEC untuk Menilai Tingkat Kesehatan pada Bank BUMN yang Go Publik Periode 2016-2019 (CD + Cetak)
This study aims to determine the soundness level of banks at state-owned banks consisting of BRI, Mandiri, BNI, and BTN Go Public Banks for the 2016-2019 period in terms of the aspects of the Risk profile, Good Corporate Governance, Earning, and Capital. This type of research is a descriptive study with research subjects in the form of Go Public BUMN Banking for the 2016-2019 Period. Data obtained through documentation techniques. The data analysis technique used is bank health analysis with a Risk-based Bank Rating approach with the scope of the assessment including RGEC factors that can be assessed from the financial statements.
The results showed that during the 2016-2019 period: (1) Aspects of the Risk Profile of state-owned banks consisting of BRI, Mandiri, BNI, and BTN that went public consisting of NPL as a whole were in a healthy condition with an average NPL value in a row. - According to 2.45%, 2.24%, 2.39%, and 2.48%, while the LDR in 2016 was in an unhealthy condition with an average LDR value of, 100.2%, and years 2017 LDR is in a fairly healthy condition with an average LDR value of 96.81%, and in 2018 it is in a healthy condition with an average LDR value of 83.2% and 2019 is in a fairly healthy
position with an average LDR value 99.82%. (2) The GCG aspect in 2016-2019 received a good or healthy predicate. (3) The earning aspect which consists of ROA as a whole is in a very healthy condition with an average ROA value of 2.27%, 2.21%, 2.09%, and 1.52%, respectively, while the average The average NIM value as a whole is in a very healthy condition with an average value of 4.89%, 6.27%, 10.7%, and 10.47%. (4) Overall Capital Aspects are in very healthy condition with The average CAR values were 21.66%, 21.12%, 20.15% and 21.01%, respectively.
Keywords: Bank soundness level and RGEC Method
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