ANALISIS PENGUKURAN KINERJA BANK DENGAN MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, AND CAPITAL) PADA PT. BANK SULUTGO

Abstract

Banking is one sector that plays an important role in the economic development of a country, including Indonesia. As a form of supervision, Bank Indonesia as the central bank issued PBI No.13/1/PBI/2011 concerning the assessment of the soundness of commercial banks. Assessment of bank soundness is measured using the Risk Based Bank Rating method, which consists of 4 assessment factors, namely Risk Profile, Good Corporate Governance, Earnings and Capital. This study aims to determine the performance of PT. Bank SulutGo using the RGEC method. The method used in this research is descriptive qualitative method. The results showed that the Risk Profile factor with NPL was predicated as healthy but for LDR it was predicated as unhealthy. The Good Corporate Governance factor received a good predicate. The Earnings factor shows that ROA is very healthy, NIM is very healthy, ROE is healthy and BOPO is very healthy. The Capital factor shows that CAR has a very healthy predicate.

Keywords : Risk Profile, Good Corporate Governance, Earnings, Capital