Analisis Kinerja Keuangan untuk Menilai Kesehatan Bank Rakyat Indonesia dengan Metode Rgec
AbstractThis study aims to determine the soundness of Bank Rakyat Indonesia, using the RGEC method. The RGEC method consists of several components, namely Risk Profile, Good Corporate Governance, Earnings, and Capital. Based on the results of data analysis, it was concluded that during the 2017-2019 period, (1) Bank Rakyat Indonesia's risk profile was in a very healthy condition and this indicated that management efforts in managing the level of collectability and maintaining credit quality every year had improved and gave positive results. So that it is able to produce sufficient quality loan growth. (2) GCG during the 2017-2019 period is 2 with healthy criteria. (3) Earnings for 2017-2019 are in a healthy condition with the ROA ratio having the ability to make profits relying on assets as well as possible, the NIM ratio of management's ability to manage its productive activities to produce the company's net interest income is very good, the BOPO ratio of the bank's ability in management the operating expenses and operating income for the three years were very good and included in the very healthy category. (4) Capital for all periods is above the standard set so that the bank is considered to be able to meet the minimum capital provider obligations. (5) aspects of RGEC assessment of the soundness of Bank Rakyat Indonesia by using the RGEC method during the 2017-2019 period are in the composite rank 1 (PK-1) with very healthy criteria.
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