scholarly journals Banking Health Assessment of Commercial Banks in Indonesia Using RGEC Methods: A Comparative Study

2019 ◽  
Vol 2 (3) ◽  
pp. 122-132
Author(s):  
Wiwiek Mardawiyah Daryanto ◽  
Agung Sri Utami ◽  
Tri Septia Rakhmawati
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Health Assessment ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Composite Rating ◽  
Performance Results

The study aims to analyze and compare the banking health assessment of commercial banks in Indonesia using RGEC methods. RGEC methods are included Risk Proile, Good Corporate Governance, Earnings, and Capital (RGEC). This study used descriptive with quantitative approach. The variables in this study includes Risk Proile using ratio of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG) using Composite Rating GCG, Earnings using ratios of Return on Assets (ROA), Net Interest Margin (NIM), and Capital using Capital Adequacy Ratio (CAR). The data were collected from audited inancial report of two commercial banks in Indonesia which are PTBank UOB Indonesia and PTBank KEB Hana Indonesia for the period 2013 to 2017. The result showed that the inancial health level of PT Bank UOB Indonesia and PT Bank KEB Hana Indonesia was quite healthy. It indicates that the ability of the corporate's performance results had achieved very well.

scholarly journals Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) (Studi Pada Bank yang Termasuk Saham LQ45 Sub Sektor Perbankan Tahun 2010–2016)

2018 ◽  
Vol 10 (1) ◽  
Author(s):  
Bobby Wijaya
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Self Assessment ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Health Level ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This paper seeks to find out the health level of banks in Indonesia Stock Exchange LQ45 Index. It used descriptive methods with qualitative approach that is Risk Based Bank Rating (RBBR) model. RBBR model consists of 4 factors among others: risk profile, good corporate governance (GCG), earnings and capital factor.The analytical tool used in this study is the assessment of the level of health of banks in Indonesia Stock Exchange LQ45 Index against the risk factor using the ratio of net performing loans (NPLs) and Loan to Deposit Ratio (LDR), a factor of corporate governance by using the self-assessment report of good corporate governance, the earnings factor using the ratio of return on assets (ROA) and net interest margin (NIM) and the factor of capital using the ratio of capital adequacy ratio (CAR). The results showed that there are several banks which have "Less Healthy", "Healthy Enough", "Pretty Good". Bank Mandiri, BRI and BNI received the predicate of "Pretty Good" in risk profile factor for liquidity risk, whereas Bank BTN received the predicate of "Healthy Enough". Also, Bank BTN received the predicate of "Healthy Enough" and "Pretty Good" in earnings factor specifically ROA and GCG factor. Keywords:Indonesia Stock Exchange LQ45 Index, Health Level of Banks, Risk Based Bank Rating (RBBR) Model.

scholarly journals PENGARUH KOMPONEN RISK BASED BANK RATING (RBBR) TERHADAP PROFITABILITAS PERBANKAN

2020 ◽  
Vol 25 (2) ◽  
pp. 44-58
Author(s):  
Anggi Tiara Novira ◽  
Reni Oktavia ◽  
Yuztitya Asmaranti
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Commercial Banks ◽  
Operational Efficiency ◽  
Capital Adequacy ◽  
Efficiency Ratio ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to analyze the effect of Risk Based Bank Rating (RBBR) component implementation to the financial performance of conventional commercial banks in Indonesia. The RBBR component is presented by using variables: Non Performing Loan, Loan to Deposit Ratio, Good Corporate Governance, Operational Efficiency Ratio, Net Interest Margin, Capital Adequacy Ratio. Meanwhile, financial performance is measured using Return On Assets (ROA). This study used quantitative methods with secondary data obtained from the websites of each conventional commercial bank. The research sample was selected by using purposive sampling in order to obtain 25 conventional commercial banks in Indonesia during 2010-2019. Data analysis used multiple linear regression analysis by IBM SPSS Statistics 26 program. The results of this study indicate that Non Performing Loan (NPL), Good Corporate Governance (GCG), Capital Adequacy Ratio (CAR) have no effect on the financial performance of conventional commercial banks. Meanwhile, the Loan to Deposit Ratio (LDR) and Operational Efficiency Ratio (REO) have a negative effect on the financial performance of conventional commercial banks, and the Net Interest Margin (NIM) has positive effect on the financial performance of conventional commercial banks.

scholarly journals Pengaruh Risk Profile, Good Corporate Governance, Earnings dan Capital pada Perubahan Harga Saham Bank

2018 ◽  
pp. 959
Author(s):  
Ni Putu Desy Wulandara Cahyani ◽  
IG.A.M Asri Dwija Putri
Keyword(s):  
Corporate Governance ◽  
Stock Price ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Price Changes ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Bank Stock

Stock is one of the financial instruments used by the company to obtain capital in an effort to strengthen its financial position. The demand for shares is largely determined by the performance of companies such as financial performance, risk handling within the company and the implementation of good corporate governance. Therefore, the bank must maintain and optimize the performance of the company, so that more investors are investing their funds in bank shares that have an impact on the increase of bank stock price. The study is aimed to determine the effect of risk profile, good corporate governance, earnings measured by return on assets and net interest margin and capital measured by capital adequacy ratio on bank stock price changes. The research was conducted at the banking companies registered at the Indonesian Stock Exchange in 2014-2016 with the total samples of 28 banking companies determined by purposive sampling method. The data analysis technique used was multiple linear regression. The results of this study indicated that the risk profile has a negative effect of bank stock prices changes. Moreover, good corporate governance, return on assets and net interest margin has a positive effect of bank stock prices changes. The capital adequacy ratio has no effect on bank stock price changes. Keywords: bank stock price changes, risk profile, good corporate governance, return on assets, net interest margin and capital adequacy ratio  

An index to study corporate governance in banks in India

2020 ◽  
Vol 4 (2) ◽  
pp. 40-49 ◽  
Author(s):  
S. Sandhya ◽  
Neha Parashar
Keyword(s):  
Corporate Governance ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Dependent Variables ◽  
Governance Practices ◽  
The Impact ◽  
The Relationship

There are many factors that affect corporate governance (CG). It is highly difficult to comprehend corporate governance and define it. Yet, research is imperative to understand the changing specific needs of good corporate governance practices and the impact of such practices. As banks have special governance needs, in this study the corporate governance of banks in India has been studied with the help of corporate governance index (GCI) especially designed for banks. Following the method used by Ararat, Black, and Yurtoglu (2017) to investigate the effectiveness of corporate governance, the index was divided into six sub-indices and to test the index it was used to find the correlation of CG practices with the banks profitability measured in terms of return on assets (RAO) and net interest margin (NIM) as dependent variables. The fixed regression model was run to know the relationship between the sub-indices and the dependent variables. Apart from the CG index, capital adequacy ratio (CAR) and Net NPA ratio were taken as independent variables. A weak correlation was found between CG and ROA and NIM that contributes to the findings of Fallatah and Dickins (2012).

scholarly journals Indikator Risk Based Bank Rating, Kinerja Keuangan dan Perusahaan Perbankan

2021 ◽  
Vol 31 (3) ◽  
pp. 782
Author(s):  
Ida Bagus Made Bayu Indrawan ◽  
I Wayan Pradnyanta Wirasedana
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. Agency theory and Productive theory of credit are the theories used in this study. The study population is all Banking Companies listed on the Indonesia Stock Exchange (IDX) in 2014-2018 totaling 45 companies. The research sample of 30 companies with non-probability sampling method with purposive sampling technique. The data analysis technique used is multiple linear regression. The research results obtained by Non Performing Loans are considered negative, Loan to Deposit Ratio and Good Corporate Governance are not approved and are significant, Net Interest Margin and Capital Adequacy Ratio have positive and significant effect on financial performance. Keywords: Non Performing Loan; Loan to Deposit Ratio; Good Corporate Governance; Net Interest Margin; Capital Adequacy Ratio; Financial Performance.

scholarly journals Pengaruh Komponen Risk Based Bank Rating Pada Nilai Perusahaan Perbankan

2019 ◽  
Vol 29 (2) ◽  
pp. 883
Author(s):  
Ketut Krisna Savitri ◽  
I Wayan Ramantha
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to empirically examine the effect of the risk-based bank rating component as measured by non-performing loans, loan to deposit ratio, good corporate governance, return on assets and capital adequacy ratio on the value of banking companies listed on the Indonesia Stock Exchange (BEI) Year 2013-2017. The research sample was selected using the nonprobability sampling method with a purposive sampling technique and obtained as many as 6 banking companies, so that the number of observations with a study period of 5 years was 30 observations. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that non-performing loans and loan to deposit ratios have a negative effect on the value of banking companies. Return on assets and capital adequacy ratio have a positive effect on the value of banking companies and good corporate governance does not affect the value of banking companies. Keywords : Risk Based Bank Rating;  Company Value; Banking.

scholarly journals Kinerja Keuangan Sebelum dan Sesudah Penerapan Good Corporate Governance pada PT. Bank Pembangunan Daerah Bali

2020 ◽  
Vol 30 (7) ◽  
pp. 1750
Author(s):  
Ida Bagus Odi Rezky Saputra ◽  
Ni Made Dwi Ratnadi
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Study Data ◽  
Capital Adequacy ◽  
Literature Study ◽  
Return On Assets ◽  
Return On Equity ◽  
Operating Income ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

This research is in the form of observations on PT Bank Pembangunan Bali which has implemented Good Corporate Governance. The data collection method uses documentation study data and literature study. This is intended to obtain a clearer picture in order to solve the problem under study. Analysis of the data used includes an analysis of financial performance based on liquidity ratios, profitability and solvency. The results of this study indicate an increase in financial performance after the implementation of Good Corporate Governance when viewed using Return on Assets, Operating Expenses / Operating Income, Capital Adequacy Ratio, Non-Performing Loans. Meanwhile, if viewed through the ratio of Loan to Deposit and Return on Equity the study found a decrease in performance after the implementation of Good Corporate Governance. Keywords: Good Corporate Governance; Financial Performance; Bank.

scholarly journals Analisis Komparatif Tingkat Kesehatan Bank BUMN Di Indonesia Dengan Metode RGEC

2020 ◽  
Vol 3 (2) ◽  
pp. 249-262
Author(s):  
Chandra Hotpartua ◽  
Ekayana Sangkasari Paranita
Keyword(s):  
Corporate Governance ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

Penelitian ini bertujuan untuk mengetahui tingkat kesehatan bank BUMN ditinjau dari aspek Profil Risiko, aspek Good Corporate Governance, aspek Laba, dan aspek Permodalan pada periode tahun 2015-2018. Objek penelitian adalah empat Bank BUMN Nasional yaitu Bank Mandiri, Bank BNI, Bank BRI, dan Bank BTN. Metode pengumpulan data melalui metode dokumenter dengan data sekunder. Penelitian ini menggunakan teknik analisis deskriptif dengan analisis rasio kualitatif. Aspek profil risiko bank BUMN dianalisis menggunakan rasio keuangan NPL (Non Performing Loan), dan LDR (Loan to Deposit Ratio). Aspek Good Corporate Governance dianalisis berdasarkan nilai komposit. Aspek laba bank BUMN dianalisis dengan rasio keuangan ROA (Return On Assets). Aspek permodalan bank BUMN dianalisis menggunakan rasio keuangan CAR (Capital Adequacy Ratio). Temuan penelitian menunjukkan bahwa berdasarkan aspek profil resiko, laba, dan permodalan, bank yang paling unggul adalah Bank BRI. Adapun berdasarkan aspek Good Corporate Governance, bank yang paling unggul adalah Bank Mandiri.

scholarly journals THE INFLUENCE OF FINANCIAL RATIOS AND GOOD CORPORATE GOVERNANCE TOWARDS FINANCIAL DISTRESS ON ISLAMIC BANKS IN INDONESIA

2020 ◽  
Vol 5 (1) ◽  
pp. 1
Author(s):  
Nandita Salatifa Diwanti ◽  
Purwanto .
Keyword(s):  
Corporate Governance ◽  
Financial Distress ◽  
Quantitative Research ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Financial Service Authority ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

<p>This research aims to empirically prove the influence of debt to total assets ratio, capital adequacy ratio, total assets turnover, return on assets, and good corporate governance towards financial distress by Altman Z-Score. This research uses the population of Islamic banks published in the Financial Service Authority during the period 2013-2018, where the data is collected from official bank websites. Adopting a quantitative research and has 72 observations from 12 banks in six years. The result shows that capital adequacy ratio and return on assets have significant positive influence towards financial distress. While debt to total assets ratio has the significant negative influence to financial distress. However, total assets turnover and good corporate governance have a negative insignificant influence to Financial Distress. Simultaneously, all independent variables have a significant influence on financial distress, which is indicated by a value of 59.9%.<strong></strong></p>

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