Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Rgec Pada PT. Bank Tabungan Negara, Tbk. Periode 2015-2017

Authors

  • Fina Priskila Kawengian Program Studi Administrasi Bisnis, Fakultas Ilmu Sosial dan Politik, Universitas Sam Ratulangi
  • Frendy A. O. Pelleng Program Studi Administrasi Bisnis, Fakultas Ilmu Sosial dan Politik, Universitas Sam Ratulangi
  • Wilfried S. Manoppo Program Studi Administrasi Bisnis, Fakultas Ilmu Sosial dan Politik, Universitas Sam Ratulangi

DOI:

https://doi.org/10.35797/jab.v8.i1.7-14

Keywords:

the health of bank, methods Rgec.

Abstract

This study aimed to analyze the health of a bank, at PT. Bank Tabungan Negara, Tbk. by using the Rgec method. The Rgec method consists of several components, namely Risk Profile, Good Corporate Governance, Earnings, Capital. of these components also have indicators. which will later rank a bank which is ranked in what category, based on calculations through the company's financial statement data. This research uses quantitative descriptive research. The data source used is secondary data with documentation data collection techniques. Based on the results of data analysis, it was concluded that during the 2015-2017 period, (1) Bank BTN risk profile was in a healthy condition with NPL of 1,60%, 1,40% and 1,30% respectively, and LDR of 109,54%, 103,63%, and 104,19%. (2) GCG for the period 2015-2017 is 2 with healthy criteria. (3) Earnings in the 2015-2017 period are in a healthy condition with ROA of 1,47%, 1,55%, and 1,47%, NIM of 3,96%, 3,81%, and 3,57% , BOPO was 78,67%, 77,96% and 77,12%. (4) Capital is in a very healthy condition with a CAR value of 16,96%, 20,33% and 18,86%. (5) Rgec as a whole is in Composite Rating 1 which is very healthy with a value of 85,71%.

References

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Gandawari Y. 2017. Analisis Tingkat Kesehatan BankMenggunakan Metode RGEC Pada PT. Bank SulutGo Periode 2014-2016.Jurnal Administrasi Bisnis 5, (3).http://ejournal.unsrat.ac.id

Ikatan Bankir Indonesia. 2016. Manajemen Kesehatan Bank Berbasis Resiko. Jakarta: PT. Gramedia Pustaka Utama.

Surat Edaran Bank Indonesia No. 15/15/DPNP tanggal 29 April 2013.Tentang Pelaksanaan Good Corporate Governance bagi Bank Umum. Jakarta: Bank Indonesia. https://www.bi.go.id

Surat Edaran Bank Indonesia No. 13/24/DPNP tanggal 25 Oktober 2011.Tentang Matriks Perhitungan Analisis Komponen Faktor Analisis RGEC untuk Bank Umum. Jakarta: Bank Indonesia. https://www.bi.go.id

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Published

25-03-2019

How to Cite

Kawengian, F. P., Pelleng, F. A. O., & Manoppo, W. S. (2019). Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Rgec Pada PT. Bank Tabungan Negara, Tbk. Periode 2015-2017. JURNAL ADMINISTRASI BISNIS (JAB), 8(1), 7–14. https://doi.org/10.35797/jab.v8.i1.7-14

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