ANALISIS TINGKAT KESEHATAN BANK BUMN MENGGUNAKAN METODE RGEC (RISK PROFILE,GCG,EARNIGNS,CAPITAL)

Abstract

Banks plays a very important role in economic activities by providing credits and other relevant services to facilitate economic and commercial activities. The public trusts banks to manage their funds. Therefore, banks’ health is mandatorily advised to keep the public trusts to the banks. The objective of this study is identify the banks ‘health level based on the method of RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) among the state-owned banks (BUMN) listed in the Indonesia Stock Exchange in the period of 2013-2017. The subjects of this evaluative study are the state-owned commercial banks (BUMN) listed in the Indonesia Stock Exchange during the period of 2013-2017. Data was collected through documentation technique and was analyzed by Risk-based Bank Rating that includes the RGEC factors. They are (1) Risk Profile measured with the Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR); (2) Good Corporate Governance; (3) Earnings measured with the Return on Asset (ROA) and Net Interest Margin (NIM), and (4) Capital measured with Capital Adequacy Ratio (CAR). Results of the study reveal that: (1) in descending rank BRI, BNI, Bank Mandiri, and Bank BTN have the best NPL during the period of 2013-2017 while, in descending rank, Bank Mandiri,Bank BRI, Bank BNI, and Bank BTN have the best LDR during the period of 2013-2017; (2) in descending rank Bank BRI, Bank Mandiri, Bank BNI, and Bank BTN have the best GCG during the period of 2013-2017; (3) in descending rank, Bank BRI, Bank BNI, Bank Mandiri, and Bank BTN have the best score of NIM; (4) in descending rank, Bank BRI, Bank Mandiri, Bank BNI, and Bank BTN have the best score for Capital for the period of 2013-2017; and (5) all aspects of RGEC are all consecutively at the Level of Composite 1 indicating a very healthy status.
Key Words: Banks’ Health Level, Risk Profile, Good