Abstract
This study aims to determine the differences in the financial performance of state banks and national private banks listed on the Indonesia Stock Exchange in 2018-2021 using the RGEC method. In addition, this study aims to determine the comparison between state banks and national private banks listed on the Indonesia Stock Exchange in 2018-2021 which have better (healthier) financial performance using the RGEC method based on regulations set by the government. The sample used in this study is a sample taken by purposive sampling technique, the criteria used are banks that are included in the Top 500 Most Valuable Bank Brands 2021. There are 9 banks that meet the criteria consisting of 4 state banks and 5 national private banks. This study uses four aspects of the RGEC method, namely the risk profile (NPL & LDR), the GCG aspect which is measured using a composite rating, aspects of earnings (ROA), and aspects of capital (CAR). The results of the analysis of this study indicate that during 2018-2021, there are significant differences in financial performance in terms of NPL & CAR, while LDR, GCG, ROA show no significant differences in the financial performance of the two banks. National private banks have better (healthy) financial performance compared to state banks in 2018-2021.
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More From: International Journal of Multidisciplinary Research and Analysis
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