Bank Health Level Research Articles

Comparative Analysis of Bank Health Levels Using the RGEC Method at PT. Bank Mandiri Tbk and PT Bank Central Asia Tbk Year 2018 - 2020

This research aims to determine the level of bank health at PT Bank Mandiri (Persero) Tbk compared to PT Bank Central Asia Tbk using the RGEC (Risk profile, Good Corporate Governance, Earnings, Capital) method for 2018-2020. This type of research uses quantitative descriptive research. The variables used by researchers are RGEC and Bank Health. The research subject is PT. Bank Mandiri (Persero) Tbk and PT. Bank Central Asia Tbk is listed on the Indonesia Stock Exchange (BEI) for 2018-2020. The object of this research is the annual report of the two banks. The data analysis method uses financial report analysis and GCG self-assessment reports for the RGEC method. The research results show that the average composite value for Bank Mandiri is 91% while BCA is 96.67%, meaning that in the RGEC analysis for assessment based on ratios (NPL, LDR, Self Assessment GCG, ROA, NIM, CAR) BCA bank has a higher level of health compared to Mandiri banks. Keywords: Bank Health, Composite Value, RGEC

EVALUASI TINGKAT KESEHATAN BANK DAN POTENSI FINANCIAL DISTRESS (STUDI EMPIRIS PADA BANK UMUM SYARIAH DI INDONESIA)

This research was conducted at Sharia Commercial Banks from 2019-2022. The purpose of this study is to determine the level of bank health using the RGEC method and the potential for financial distress using the Atlman Z-Score Modified, Springate, Zmijewski, Bankometer, and Grover models. This research is a descriptive research using a quantitative approach. The results of the study on measuring the health level of banks show that from 2019-2022 based on the average value, banks are in the predicate of Quite Healthy. The results of the study on the measurement of potential financial distress show that from 2019-2022 based on the average score, the Altman Z-Score Modified, Springate, Zmijewski, Bankometer, and Grover models tend not to have the potential to experience financial distress. The results of the study on the comparison of bank health levels using the RGEC method with the potential for financial distress using the Altman Z-Score Modified, Springate, Zmijewski, Bankometer, and Grover models show that banks that have a composite rating of 4 or are in the predicate of Less Healthy do not necessarily mean experiencing financial distress.

Correlation of Islamic Financing and Economic Growth through A Panel Data Approach

One of the strengthening of the financial sector is through financing, therefore what factors are needed that can encourage financing growth. This study aims to analyze economic growth, assets and Non-Performing Financing affecting Islamic financing during the period Q1 2017 to Q4 2022. The research went through the unit root test stage, panel data estimation, then panel data regression was selected using the Fixed Effect Model method. Based on the results of the research, it was concluded that economic growth, assets and NPF together affect Islamic financing in Malaysia, Saudi Arabia, Bahrain, the United Arab Emirates and Qatar. Economic growth and assets have a positive and significant influence on financing. Meanwhile, NPF has a negative influence on financing. The higher the NPF will affect the quality of financing, so it can lower the bank's health level.

ANALSIS KOMPARASI KINERJA KEUANGAN BANK MEGA SYARIAH MENGGUNAKAN METODE RGEC PADA MASA SEBELUM DAN SELAMA PANDEMI COVID-19

The COVID-19 pandemic has had an impact on all industrial sectors in Indonesia, one of which is the sharia banking sector. During the pandemic, banking performance experienced fluctuations in terms of deposits and debt financing; Bank Mega Syariah also experienced fluctuations in financial ratios and deposits, which could have an impact on the bank's financial performance. The purpose of this study is to evaluate Bank Mega Syariah's financial results utilizing the RGEC approach both before and after the COVID-19 epidemic. This study used quantitative research using a descriptive methodology. Data was acquired through the use of documentation methods. Financial ratio analysis utilizing the RGEC method is the data analysis method employed. The findings demonstrate that Bank Mega Syariah's financial performance, as measured by the RGEC technique, was superior to its pre-COVID-19 pandemic financial performance during the pandemic-affected period. This is shown by Bank Mega Syariah's ability to continue turning in a profit despite the COVID-19 pandemic's negative impact on the business environment. This accomplishment is demonstrated by the growth in several key business metrics, which were maintained, including bank profitability, finance distribution, and Third Party Funds.Keywords: Financial Performance; Bank Health Level; RGEC Method

Analisis Tingkat Kesehatan Bank Nagari Syariah Menggunakan Metode RGEC

The purpose of this study was to measure the health level of Bank Nagari Syariah using the RGEC method. The research method used is descriptive quantitative method. The data collection technique used is documentation. The data analysis technique uses ratio analysis contained in the assessment of the bank's health level using the RGEC method. The results showed that the health level of Bank Nagari Syariah in 2017-2022 was in a good rating. In 2017-2018, the Financing to Debt Ratio was in an unhealthy state. But in 2019-2022 the bank has been able to improve its performance. The Net Performing Financing ratio is in a healthy state from year to year. The profitability factor shows that the bank is able to make a profit from its operational activities. Operating Expenses to Operating Income are categorized as healthy. The Good Corporate Governance factor shows that the implementation of the bank's operational structures and processes is in accordance with the regulations set by the OJK. The Capital factor is calculated by the Capital Adequacy Ratio and is in a very healthy state. The health level of Bank Nagari Syariah is in a healthy position.

PENILAIAN RGEC PADA PERBANKAN YANG TIDAK MENGALAMI, BERISIKO, DAN MENGALAMI FINANCIAL DISTRESS MENURUT MODEL GROVER

LPS has liquidated a total of 117 banks by 2021 due to financial distress and the inability to maintain their health. This study aims to analyze the health level of banks through RGEC concerning banks that do not experience, are at risk of, and experience financial distress. Using a descriptive analysis method, banks are categorized based on three levels of potential financial distress according to Grover or G-Score, then evaluated through RGEC assessments in each bank category. The results indicate that, along with the decrease in G-Score, high NPL and low LDR reflect a greater potential for financial distress. Assessment of GCG through managerial ownership, profitability through ROA is not the sole factor indicating potential financial distress. However, low NIM may reflect a high potential for financial distress. Meanwhile, CAR shows high and very healthy values for all bank categories. This suggests that banks need to improve their health through risk management and increase Grover’s value by enhancing working capital, profits, and assets returns, so that banks can not only increase Grover’s value but also strengthen their position as financial institutions.

ANALISIS PERBANDINGAN CAMEL PADA BANK BCA SYARIAH SEBELUM DAN SELAMA PANDEMI COVID-19

The Covid-19 pandemic has had an impact on various aspects of the economy and business activities. The Covid-19 pandemic has an impact on banking and financial performance which will af ect the level of bank health. There is a way that can be done to determine the impact of the pandemic regarding bank health, namely by requiring objective and precise benchmarks. This research aims to analyze financial reports on the performance of Sharia Banks before the Covid-19 pandemic and during the Covid-19 pandemic. The data analysis method applied in this research is quantitative descriptive analysis. Quantitative analysis is a scientific method because it meets scientific principles, namely empirical concreteness, objective, measurable, rational and systematic. This analysis uses research data in the form of numbers and carries out statistical analysis (Sugiyono, 2013). Then, the analysis tool in this research uses the time series data analysis model. The sampling method in this research is Non-Probability Sampling. The sampling technique for this research is saturated sampling. 12 samples were applied before the Covid-19 pandemic and 12 samples were applied during the Covid-19 pandemic. The testing tool used is SPSS version 24. The research results show that the CAMEL method shows that in the Capital Adequacy Ratio, Non Performing Financing, BOPO ratios there is a significant dif erence between before the Covid-19 pandemic and during the Covid-19 pandemic, while the Return on Assets indicator shows that there is no significant dif erence between before and during the Covid-19 pandemic. Financing to Deposit Ratio shows that there is no significant dif erence between before and during the Covid-19 pandemic.

ANALYSIS OF THE INFLUENCE OF BANK HEALTH LEVEL WITH RGEC METHOD ON FINANCIAL DISTRESS USING ALTMAN Z-SCORE METHOD

Amidst economic and market dynamics, various business sectors, including banks, confront challenges that can lead to financial distress or potential bankruptcy. This distress is influenced by various factors, among which is the health level of banks. This research aims to provide empirical evidence on the influence of bank health level, assessed by the RGEC method, on financial distress. The independent variables include Risk Profile, Good Corporate Governance, Earnings, and Capital, while the Altman Z-score measures financial distress as the dependent variable. Focused on banking companies listed on the Indonesia Stock Exchange (IDX) from 2020 to 2022, this research utilized a purposive sampling approach, selecting 29 samples and totalling 87 data sourced from financial statements and annual reports, which underwent analysis via multiple linear regression using Eviews version 12. The results show that the Risk Profile and Good Corporate Governance do not have a significant influence on financial distress. Meanwhile, Earnings and Capital have a positive and significant influence on financial distress. This research can serve as an early warning for management regarding bankruptcy risks and provide insights for banks regulators and policymakers to fortify risk management practices and strategize adjustments to mitigate the risk of financial distress.

Efektivitas Penilaian Tingkat Kesehatan Perbankan Menggunakan Metode RGEC pada Bank Rakyat Indonesia Tahun 2018-2020

This research aims to determine the effectiveness of assessing banking soundness levels using the PT RGEC method. Bank Rakyat Indonesia Tbk in 2018-2020. In this research, researchers used several research variables which include Risk Profile (NPL and LDR), Good Corporate Governance (GCG), Earnings (ROA, ROE, NIM, BOPO) and Capital (CAR). Based on research on the effectiveness of assessing the level of banking health at PT. Bank Rakyat Indonesia Tbk, using the RGEC method, shows that the bank's health status is in accordance with the standards set by Bank Indonesia regulations. For the 2018 period it can be concluded that PT. Bank Rakyat Indonesia Tbk received a composite rating of 1, namely "Very Healthy" with a composite score of 90%, for the 2019 period it can be concluded that PT. Bank Rakyat Indonesia Tbk received a composite rating of 1, namely "Very Healthy" with a composite score of 92.5%, for the 2020 period it can be concluded that PT. Bank Rakyat Indonesia Tbk received a composite rating of 1, namely "Very Healthy" with a composite score of 90%. As well as the bank's health level in terms of Risk Profile, Good Corporate Governance, earnings and Capital indicators at PT. Bank Rakyat Indonesia Tbk for 2018-2020 is "Very Healthy". It is hoped that future researchers will be more careful in carrying out calculations, can use better methods than this research and can add ratios so that the results of the research are more robust.

Pengaruh Tingkat Kesehatan Bank Terhadap Firm Value Dengan CSR Expenditure Sebagai Variabel Moderasi

This research investigates the influence of various financial variables on Bank Health Level on Company Value (PBV) with CSR Expenditure as a moderating variable in the context of the banking industry in Indonesia. The research method used in this research is descriptive and verification research, while the sampling technique used is non-probability sampling with a purposive sampling method, the sample for this research is 26 companies. This research identifies Non-Performing Loans (NPL) and Return on Assets (ROA) as factors that influence Price to Book Value (PBV). Then CSR Expenditure can moderate the Non-Performing Loan (NPL), Loan Deposit Ratio (LDR), and Good Corporate Government (GCG) variables on price-to-book value (PBV). Simultaneously, the results of the F test show that collectively these variables have a significant effect on Price to Book Value (PBV), and CSR Expenditure is an important factor that contributes positively to Price to Book Value (PBV), which can be concluded that CSR policy is very capable strengthening company performance in increasing stakeholder perception and trust which is reflected in increasing company value.

Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode Profil Risiko, Tata Kelola Syariah, Laba Usaha, Permodalan Pada Bank Umum Syariah yang Terdaftar di BEI Periode 2019-2021

The aim of this research is to assess the health level of Islamic Banks listed on the Indonesia Stock Exchange, utilizing the risk profile, Sharia governance, profitability, and capital method. Purposive sampling with specific criteria was employed as the sampling technique. The findings indicate that using the RGEC method, it predicts that two Islamic banks assessed are in a healthy condition. In 2019, Bank Panin Dubai Syariah achieved a composite score of 82.85%, categorized as healthy. In 2020, it obtained a composite score of 80%, maintaining a healthy category, and in 2021, it secured a composite score of 80%, sustaining a healthy categorization. As for Bank Syariah Indonesia, it is consistently deemed in very healthy condition. In 2019, it obtained a composite score of 91.42%, signifying excellent health. In 2020, it achieved a composite score of 94.28%, maintaining its very healthy status, and in 2021, it attained a composite score of 97.14%, indicating sustained excellent health.

Pengaruh Tingkat Kesehatan Bank Terhadap Inklusi Keuangan

The aim of this research is to analyze the influence of bank health levels on financial inclusion. Variables to measure the level of bank health using the RGEC Component are Non Performing Loans (NPL), Net Open Position (PDN), Loan To Deposit Ratio (LDR), Good Corporate Govermance (GCG), Return on Assets (ROA) Return on Equity (ROE) and Capital Adequacy Ratio (CAR ) on financial inclusion as measured by the Financial Inclusion Index (Index of Financial Inclusion). The analysis test used is multiple linear regression analysis. The population used is banking companies listed on the Indonesia Stock Exchange for the 2018-2022 period and meet the sample selection criteria. There were 20 companies used after the proscess of selecting sample companiesy and outliers. so the total sample is 101. Data was collected through secondary data collection in the form of annual reports published on the Indonesian Stock Exchange. The research hypothesis was tested using multiple linear regression which met the classical assumption test. The analysis results show that NPL, PDN, ROE and CAR. does not have a significant effect on Financial Inclusion, while LDR, GCG and ROA have a significant effect on Financial Inclusion where the significance value of LDR is 0.21, GCG has a significance value of 0.28 and ROA has a significance value of 0.005 which is smaller than alpha, namely 5%

ANALISIS TINGKAT KESEHATAN MENGGUNAKAN METODE RGEC PADA PT. BANK SYARIAH INDONESIA, Tbk TAHUN 2020 – 2022

There are several factors that can influence the financial performance of sharia banks, So it is necessary to assess the health level of Islamic banks to determine whether the condition of a bank is healthy or unhealthy (Gultom, et al., 2022). This research aims to determine the level of bank health by applying the method RGEC at PT. Bank Syariah Indonesia, Tbk in 2020-2022.In this research, the RGEC This method includes several factors, the first is the riskprofile factor, the ratios used are net performing financing (NPF) and financing to debt ratio (FDR). The second factor is good corporate governance (GCG), which is good corporate governance. The third factor is earnings (profitability), the ratios used are return on assets (ROA), return of equity (ROE) and operating expenses to operating income (BOPO). The final factor in the RGEC method is the capital factor, using the capital adequacy ratio (CAR) as an assessment of the bank's health.In 2020 PT. Bank Syariah Indonesia, Tbk obtained an NPF of 1.72%, which means it was ranked 1st. FDR is 73.84%, which means it is ranked 1st. GCG gets a score of 2. ROA is 1.29%, which means it is ranked 2nd. ROE is 4.56%, which means it is ranked 2rd. BOPOgot 84%, which means it was ranked 1st. CAR gets 18.24%, which means it is ranked 1st. The results of the research show that the assessment of the health level of PT. Bank Syariah Indonesia, Tbk in 2020 obtained a score of 88.57%, which was ranked 1st. In 2021 PT. Bank Syariah Indonesia, Tbk obtained an NPF of 2.93%, which means it was ranked 1st. FDR is 72.69%, which means it is ranked 1st. GCG gets a score of 2. ROA is 1.53%, which means it is ranked 2nd. ROE is 12.11%, which means it is ranked 3rd. BOPO got 80%, which means it was ranked 1st. CAR got 22.09%, which means it was ranked 1st. The research results show that the 2021 health level assessment obtained a score of 88.57%, which is ranked 1st. In 2022 PT. Bank Syariah Indonesia, Tbk obtained an NPF of 2.24%, which means it was ranked 2nd. FDR is 78.50%, which means it is ranked 2nd. GCG gets a score of 2. ROA is 1.85%, which means it is ranked 1st. ROE is 12.87%, which means it is ranked 2nd. BOPO got 76%, which means it was ranked 1st. CAR got 20.29%, which means it was ranked 1st. The results of the research show that the assessment of the bank's health level in 2022 received a score of 88.57%, which is ranked 1st. This means that it can be concluded that from 2020-2022 PT. Bank Syariah Indonesia, Tbk received a very good assessment, obtaining a score of 88.57%, Composite Rank 1 with a very healthy predicate..

RGEC Method: Assessment Of Bank Health Levels At PT Bank Tabungan Negara (PERSERO) Tbk. Before And After Covid-19

This study aims to determine the health level of PT Bank Tabungan Negara (Persero) Tbk before and after Covid-19 from the point of view of the RGEC analysis model (Risk Profile, GCG, Earning, and Capital) by analyzing the entire financial statements. The research method used in this study is to use a descriptive model of PT Bank Tabungan Negara (Persero) Tbk before (2017-2019) and during covid-19 (2020-2022). The data was then obtained by researchers using documentation techniques where the data used were financial reports to be analyzed by the Risk method (Risk-based Bank Rating) based on assessment measurements which included RGEC elements. The results of the assessment that can be concluded in the analysis of the health level of PT Bank Tabungan Negara (Persero) Tbk in terms of RGEC (Risk profile, Good Corporate Governance, Earnings, and Capital) before covid-19 in 2017-2018 in a healthy condition, while in 2019 in a fairly healthy condition and during covid-19 in 2020-2022 in a healthy condition, it is concluded that before and during covid-19 PT Bank Tabungan Negara, Tbk the bank's health level has no impact on covid-19.

Analysis of the Health Level of Regional Development Banks Before and During the Covid-19 Pandemic Using the RGEC Approach in the Sumatra Region

This study aims to analyze the health level of regional banks before and during the pandemic period 2017-2022 in the Sumatra region. Sampling in this study were all regional development banks in the Sumatra region, totaling 8 banks. This research analysis uses the RGEC method (Risk Profile, Good Corporate Governance, Earnings and Capitals). The results of this study indicate that the health level of regional development banks for the 2017-2022 period is 90.38%, overall the condition of the Bank is in a very healthy condition while for bank health in the pre-covid period (2017-2019) of 89.30% and during the pandemic period (2020-2022) of 91.52%, from the results of this study it is stated that there is a growth in the level of bank health before and during the pandemic of 2.22%. This study also analyzed the T test to find differences before and during the pandemic using variables (NPL, LDR, ROA, NIM and CAR) for the LDR, NIM and CAR variables showed significantly different while for the GCG variable using the Wilcoxon test it was found to be significantly different before and during the pandemic.

Analysis of Non-Performing Loans and Loan to Deposit Ratio

Banks are trusted financial institutions that function as intermediary institutions, helping the payment system run smoothly and, no less important, as institutions that are a means of implementing government policies, namely monetary policy. This research aims to determine and analyze the level of bank health using the Non-Performing Loan and Loan to Deposit Ratio methods at PT. Bank Rakyat Indonesia (Persero) Tbk 2019-2022. The type of research used is descriptive research with a quantitative approach. The variables and measurements used in this research consist of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR). The results of this research show that for 4 periods, starting from 2019 to 2022, the findings were that the results of the bank's health level in terms of the Non-Performing Loan (NPL) ratio and Loan to Deposit Ratio (LDR) were overall healthy.

Pengaruh Inflasi dan GDP terhadap Tingkat Kesehatan Bank Syariah dengan Size sebagai Pembeda

The research aims to determine the impact of Inflation and Gross Domestic Product (GDP) on the health level of Islamic Banks in Indonesia from 2014 to 2020 with size as the differentiator. The population in this study is 14 Banking Companies from 2014 to 2020 registered with the Financial Services Authority (OJK), and using a purposive sampling technique, 14 banks were select as the research sample. The analysis method used is the panel data analysis method using Eviews 12. The health level of the Islamic Commercial Bank is calculate using the RGEC method is measured using Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Assets (ROA), and Capital Adequacy Ratio (CAR). The result of this study shows that inflation and GDP do not have a significant effect on NPF, FDR, and ROA. Meanwhile, inflation and GDP have a significant effect on the CAR Small size.

Risk-Based Bank Rating (RBBR) Method Using Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC) Factors as an Assessment of Bank Health: Case Study of PT Bank Pembangunan Daerah Jawa Timur Tbk Period 2018-2022

Banks play a very important role in driving the wheels of the country's economy because they provide credit access facilities and provide interest rates to people who want to save. Through Bank Indonesia Regulation Number 13/1/PBI/2011, Bank Health Level Assessment using the Risk-Based Bank Rating (RBBR) method using Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC) factors is a method for assessing how healthy a bank is. This research wants to assess the health level of Bank Jatim through the financial ratios in the Financial Report. The data used are ROA, ROE, NPL-Gross, LDR, BOPO, NIM, CAR, and the results of GCG self-assessment reporting which follow factors. As a result, the Risk Profile factor decreased in 2020 and 2021 and improved in 2022. The Earnings factor decreased in 2021 and 2022 compared to 2019. The GCG factor increased in 2019 but the trend is stagnant until 2022. The Capital factor decreased in 2019 and experienced a positive increase from 2020 to 2022.

The Effect of Risk Profile, Profitability, and Capital on Profit Growth of Indonesian Digital Banks

Digital Bank is a bank innovation that is very popular today because it provides convenience in transactions. The large number of digital bank enthusiasts makes researchers interested in researching the health of digital banks. This study will investigate how much influence the bank's health level has on the profit growth of digital banks, as measured by the risk profile using NPL and LDR indicators, GCG with institutional ownership, Profitability with ROA indicators, and Capital with CAR indicators. This study utilized panel data regression analysis techniques. The Population in this study are all digital banks registered on IDX, and sampling was performed using purposive sampling techniques, so there are nine banks as a sample from 20 banks. Secondary data research using documentation study methods and literature studies for data collection. This study relies on financial statements obtained from the official web pages of every digital bank and www.idx.co.id as its data source. The research results obtained are ROA was discovered to have a statistically significant positive impact on profit growth, while NPL, LDR, CAR, and GCG had no impact. LDR and ROA were discovered to have a statistically significant positive impact on GCG, whereas NPL and CAR had no impact. According to indirect testing, GCG could not mediate the relationship between NPL, LDR, ROA, and CAR on profit growth.

Analisis Kesehatan Bank Pada Perusahaan Bank BUMN Periode 2018 – 2022

This research aims to determine the health level of state-owned banks for the period 2018 – 2022. The tool used to measure the health level of banks is the CAMEL (Capital, Asset, Management, Earnings, and Liquidity) analysis. The population of this research is 3 (three) state-owned banks listed on the Indonesia Stock Exchange (BEI), namely BRI, BNI, and Mandiri. The data used are financial reports from the three banks for the period 2018 - 2022. The results of this research show that in general the best financial performance is obtained by BRI, followed by Mandiri, and third is BNI and has the HEALTHY predicate. This is shown by the highest CAR, KAP, NIM, ROA, BOPO and LDR ratio values obtained by BRI, followed by Mandiri and the lowest is BNI. In general, the CAMEL score can illustrate that state-owned bank for the 2018 - 2022 period are quite good in terms of their financial performance and maintaining the bank's health level.