scholarly journals Comparison of Financial Performance Buku III Indonesian Banks Using Risk-Based Bank Rating (RBBR) Method: Case Study of PT. Pan Indonesia Bank, Tbk (Panin) and PT. Bank Mega, Tbk (Mega)

2020 ◽  
Vol 4 (1) ◽  
pp. 37-45
Author(s):  
Wiwiek Mardawiyah Daryanto
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Risk Profile ◽  
Financial Service ◽  
Financial Health ◽  
Financial Service Authority ◽  
Good Corporate Governance ◽  
Circular Letter ◽  
The Government

Indonesia has experienced economic crisis in 1997/1998 and 2008, these events motivate the government to have a strong assessment to evaluate the financial health of the company. Related to the banks industry, government of Indonesia through Financial Service Authority or Otoritas Jasa Keuangan (OJK) issued the Circular Letter of OJK No. 14/SEOJK.03/2017 about Risk-Based Bank Rating (RBBR) approach that include the evaluation of risk profile, good corporate governance, earnings, and capital. The purpose of this study is to assess the financial health of the two open recorded non-expressed claimed BUKU III banks in Indonesia, which are Bank PT. Pan Indonesia Bank, Tbk (Panin) and PT. Bank Mega, Tbk (Mega) from year of 2014 to 2018. The methodology used is RBBR approach concerning the Rating of Health of Commercial Banks. The data were collected from the yearly report of the banks, fiscal reports, diaries, and articles of PT. Bank Mega and PT. Bank Panin. During the five year trend, the result of this study reveals that the two banks have performed well. However, Bank Mega has performed better in terms of Loan to Deposit Ratio (LDR) compared to Bank Panin. This study has added the knowledge in the financial literature. It also brings benefit for managers to help them make a better decision to address their company’s problem.  

TINGKAT KESEHATAN BANK DENGAN PENDEKATAN METODE RGEC PADA BANK PEMBANGUNAN DAERAH DIY

2018 ◽  
Vol 13 (2) ◽  
pp. 117
Author(s):  
Edy Anan ◽  
Roni Albarqis
Keyword(s):  
Risk Management ◽  
Corporate Governance ◽  
Commercial Bank ◽  
Descriptive Analysis ◽  
Risk Profile ◽  
Good Corporate Governance ◽  
Analysis Technique ◽  
Circular Letter ◽  
Profitability Assessment ◽  
Bank Soundness

ABSTRACTThis study is aimed to determine the soundness of commercial bank at PT. Bank Pembangunan Daerah DIY during the years 2011 until 2015 based on RGEC method that consisted of risk profile, good corporate governance, earnings and capital. The method that used to collect data isnonparticipant observation by documenting. Descriptive analysis technique based on the Bank Indonesia Circular Letter No. 13/24/DPNP about Assessment of Commercial Bank Soundness. The results show that the soundness level of Bank Pembangunan Daerah DIY in 2011 until 2015 wasproved. NPL and LDR that measured Risk Profile factor prove a well executed risk management. Good Corporate Governance factor shows BPD DIY has applied corporate governance well. Earnings factor or profitability assessment consist of ROA and NIM has increased and this sign of theincreasing of total assets owned by BPD DIY that followed by increasing of profit gained by BPD DIY. Using the CAR indicator, the author proved that BPD DIY has good Capital factor, which is above Bank Indonesia provision that 8%. Conclution of the result showed that soundness level ofBank Pembangunan Daerah DIY in 2011 until 2015 overall was in the first place of composite ranked with a very healthy predicate and the total of composite score for each year is 93%, 93% , 97%, 97% and 97%.ABSTRAKPenelitian ini bertujuan untuk mengetahui tingkat kesehatan bank pada PT. Bank Pembangunan Daerah DIY selama tahun 2011 hingga 2015 berdasarkan metode RGEC yang terdiri dari risk profile, good corporate governance, earnings dan capital. Metode pengumpulan data yang digunakan adalah observasi nonpartisipan dengan cara dokumentasi. Teknik analisis deskriptif dengan berpedoman pada Surat Edaran Bank Indonesia No. 13/24/DPNP tentang Penilaian Tingkat Kesehatan Bank Umum. Hasil analisis menunjukkan bahwa tingkat kesehatan BPD DIY pada tahun 2011 sampai dengan 2015 secara keseluruhan dapat dikatakan bank yang sehat. Faktor Risk Profile yang dinilai melalui NPL dan LDR secara keseluruhan menggambarkan pengelolaan risiko yangtelah dilaksanakan dengan baik. Faktor Good Corporate Governance, BPD DIY sudah menerapkan tata kelola perusahaan dengan baik. Faktor Earnings atau rentabilitas yang penilaiannya terdiri dari ROA dan NIM mengalami kenaikan dan hal ini menandakan bertambahnya jumlah aset yang dimiliki BPD DIY diikuti dengan bertambahnya keuntungan yang didapat oleh BPD DIY. Dengan menggunakan indikator CAR, peneliti membuktikan bahwa BPD DIY memiliki faktor Capital yang baik, yaitu diatas ketentuan Bank Indonesia sebesar 8%. Kesimpulan hasil penelitian menunjukkan bahwa PT. Bank Pembangunan Daerah DIY pada tahun 2011 hingga 2015 secara keseluruhan berada pada peringkat komposit satu dengan predikat sangat sehat serta masing-masing total nilai komposit sebesar 93%, 93%, 97% , 97% dan 97%

scholarly journals Risk Based Bank Rating dalam Mengukur Tingkat Kesehatan Perbankan

2019 ◽  
Vol 3 (2) ◽  
pp. 114-123
Author(s):  
Neny Tri Indrianasari ◽  
Khoirul Ifa
Keyword(s):  
Corporate Governance ◽  
Financial Services ◽  
Time Series Data ◽  
Risk Profile ◽  
Series Data ◽  
Average Value ◽  
Good Corporate Governance ◽  
Source Data ◽  
The Government ◽  
Descriptive Method

The Financial Services Authority assesses the national banking industry in the better shape shown by some indicators, one of which the involvement of the Government in realizing economic growth. With the better banking conditions will marimbas Bank on growth Of Islamic Peoples. This research aims to know the level of health of bank Syariah BPR in East Java by using methods of Risk-Based Bank Rating. The assessment by the method of Risk-Based Bank Rating consists of four factors of risk profile, Good Corporate Governance, earning and capital of each bank. This research uses descriptive method quantitative approach to analyze the ratio-the ratio of the measured. The data type used is the time series data of the year 2015 – 2017. Source data obtained from the Financial Services Authority website (OJK). Data analysis techniques using analysis of Risk-Based Bank Rating (RBBR) consist of four-factor risk profile, Good Corporate Governance, earning and capital. The study concluded that the overall average value of NPF Bank Of Islamic People (BPRS) of 13.37% unhealthy, with an average overall rating Of Sharia Rural Banks ROA (BPRS) of 0.11% with the predicate less healthy and that the average overall rating Of Sharia Rural Banks CAR (BPRS) amounted to 28.47% with very healthy.

scholarly journals PERBANDINGAN TINGKAT KESEHATAN BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, DAN CAPITAL)

2020 ◽  
Vol 4 (4) ◽  
pp. 635-653
Author(s):  
Zara Zettyra R. D ◽  
Evi Mutia
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Risk Profile ◽  
T Test ◽  
Islamic Banks ◽  
Self Assessment ◽  
Good Corporate Governance ◽  
Significant Difference

The purpose of this study was to see a comparison of the health levels of conventional commercial banks and Islamic commercial banks using the RGEC method in the 2014-2017 period. The sample of this study were 30 conventional commercial banks and 11 sharia commercial banks. The assessment used uses the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital) Risk Profile seen through the NPL and NPF indicators for conventional commercial banks while Islamic banks use LDR and FDR. Corporate governance is measured through Self Assessment. Earnings are measured through ROA and NIM indicators. Capital is measured based on the CAR indicator. Testing the hypothesis in this study using the Independent T-Test and Mann-Wnithey Test samples. The results of this study indicate that there is a difference between conventional commercial banks and Islamic commercial banks seen from the ratio of NPL, LDR, and ROA. While the ratio of GCG, NIM, and CAR does not have a significant difference between conventional commercial banks and Islamic commercial banks.

scholarly journals ANALYSIS OF RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, AND CAPITAL (RGEC) IN SYARIAH COMMERCIAL BANKS AND CONVENTIONAL COMMERCIAL BANKS

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Oyong Lisa
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Commercial Banks ◽  
Risk Profile ◽  
T Test ◽  
Public Funds ◽  
Analytical Technique ◽  
Good Corporate Governance ◽  
Net Profit ◽  
Lower Ability

Banks play a role in collecting public funds because banks are institutions that are trusted by the community from various parties in placing funds safely. This study aims to analyze the differences in financial performance by using RGEC consisting of risk profile, good corporate governance, earnings, and capitals between syariah commercial banks and conventional commercial banks. The analytical technique uses independent sample t-test. The result of the analysis shows that there is a difference of NPL between syariah bank and conventional bank. This shows that conventional commercial banks are better at covering the risk of default of credit repayment by debtors than syariah commercial banks. There is an LDR difference between syariah commercial banks and conventional commercial banks. This shows that conventional commercial banks have a slightly better liquidity level compared to syariah commercial banks. The LDR ratio is too large to indicate the lower ability of  the bank's liquidity. There is no GCG difference between syariah commercial banks and conventional commercial banks. This shows that both groups of banks have implemented good corporate governance so that internal management goes according to what is planned. There is a difference of ROA between syariah commercial banks and conventional commercial banks. This shows that the ability of conventional commercial banks has better ability in obtaining net profit with the use of all assets owned by the bank compared to syariah commercial banks. There is no CAR difference between syariah commercial banks and conventional commercial banks. This shows that both groups of banks have met Bank Indonesia's requirements as a sound bank.

scholarly journals Penilaian Kesehatan Bank (Studi Pada PT. Bank Muamalat Indonesia, Tbk. Tahun 2016- 2019)

2021 ◽  
Vol 6 (1) ◽  
pp. 1
Author(s):  
Citra Puspa Permata
Keyword(s):  
Corporate Governance ◽  
Annual Report ◽  
Secondary Data ◽  
Descriptive Study ◽  
Risk Profile ◽  
Financial Health ◽  
Self Assessment ◽  
Financial Condition ◽  
Financial Conditions ◽  
Good Corporate Governance

This study aims to determine the financial health of PT. Bank Muamalat Indonesia, Tbk from four aspects in RGEC which is Risk Profile, Good Corporate Governance, Earnings, and Capital. This research is a descriptive study with a quantitative approach. The main data of this study comes from the Annual Report of PT. Bank Muamalat Indonesia, Tbk. from 2016 to 2019, the so-called secondary data were analyzed using the RGEC method. The results showed that in the period 2016-2019, the risk profile aspect of PT. Bank Muamalat Indonesia with the NPF and  FDR Indicator on average is in a healthy financial condition, but the CR indicator showed unhealthy financial conditions. The GCG aspect using self-assessment showed a fairly healthy financial condition, the earnings aspect. with NOM, ROA and average ROE showed unhealthy financial conditions, as well as the capital aspect with average CAR and PR ratios is in very healthy financial conditions.

Analisis Penerapan Good Corporate Governance (GCG) Pada Bank Umum Syariah

2021 ◽  
Vol 11 (2) ◽  
pp. 45-53
Author(s):  
Sri Endah Wahyuningsih ◽  
Isfandayani -
Keyword(s):  
Qualitative Research ◽  
Corporate Governance ◽  
Data Collection ◽  
Commercial Banks ◽  
Research Method ◽  
Data Collection Methods ◽  
Business Units ◽  
Good Corporate Governance ◽  
Circular Letter ◽  
Collection Methods

This study aims to determine the analysis of the implementation of good corporate governance(GCG) in Islamic Commercial Banks, which is represented by Bank Syariah Mandiri and BankMuamalat Indonesia. This research method is included in qualitative research with a library researchapproach, namely a series of studies relating to library data collection methods. The results showedthat the implementation of GCG in BUS as represented by Bank Syariah Mandiri and Bank MuamalatIndonesia has implemented the principles of Good Corporate Governance (GCG) in accordance withthe prevailing laws and regulations, namely Bank Indonesia Regulation Number. 11/33 / PBI / 2009dated 7 December 2009 and Circular Letter (SE) of Bank Indonesia No. 12/13 / DPbS dated 30April 2010 concerning the Implementation of Good Corporate Governance for Sharia CommercialBanks (BUS) and Sharia Business Units (UUS), especially Article 62 and Article 63 concerning theobligations of Banks to submit GCG Implementation Reports to Bank Indonesia (BI) and stakeholders.other interests.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE PROFIL RISIKO, TATA KELOLA PERUSAHAAN YANG BAIK, PENDAPATAN & MODAL (Studi Komparasi Antara Bank Umum Konvensional dan Bank Umum Syariah Di Indonesia Lemabaga yang Terdaftar Pada Otoritas Layanan Keuangan

2020 ◽  
Vol 7 (1) ◽  
pp. 68-77
Author(s):  
Gusganda Suria Manda ◽  
Rina Maria Hendriyani
Keyword(s):  
Corporate Governance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Risk Profile ◽  
Quantitative Approach ◽  
Good Corporate Governance ◽  
Good Rating ◽  
Descriptive Method ◽  
Better Than

This analysis aims to find out, analyze and explain how the bank's soundness level compares with the Risk Profile, Good Corporate Governance, Earning and Capital methods in accordance with applicable regulations. This research was conducted using a comparative descriptive method with a quantitative approach. The results of the analysis of this study the authors get that Conventional Commercial Banks have a Risk Profile (NPL ratio) with a rating of "Good" better than a Sharia Commercial Bank with a rating of "Fairly Good". Conventional Commercial Banks have a Risk Profile (LDR) higher than Islamic Commercial Banks with a rating of "Fairly Good". Conventional Commercial Banks have Good Corporate Governance (GCG) better than Sharia Commercial Banks with a "Good" rating. Conventional Commercial Banks have better Earning (ROA) with a "Very Good" rating than a Sharia Commercial Bank with a "Very Poor" rating. Sharia Commercial Banks have a Capital (CAR) higher than Conventional Commercial Banks with a rating of "Very Good

scholarly journals Effect of Risk Based Bank Rating on Financial Performance of Sharia Commercial Banks

Akuntabilitas ◽  
2019 ◽  
Vol 12 (2) ◽  
pp. 201-214
Author(s):  
Diah Munawaroh ◽  
Peny Cahaya Azwari
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Commercial Banks ◽  
Regression Models ◽  
Risk Profile ◽  
Descriptive Statistics ◽  
Regression Methods ◽  
Good Corporate Governance ◽  
Bank Ratings

Risk Based Bank Rating (RBBR) is one of the assessments of the new health level of the bank in lieu of CAMELS in accordance in Bank Indonesia Regulation No. 13/1 / PBI / 2011. This study aims to examine the effect of Risk-Based Bank Ratings (Risk Profile, Good Corporate Governance, Earning and Capital) on Financial Performance (ROA). The method used is descriptive statistics, determination of regression models, classic assumption tests, multiple linear regression methods and hypothesis testing. The type of data in this study uses panel data. Based on the results of the study indicate that the ratio of NPF, GCG and CAR does not significantly influence ROA. While the ratio of FDR, BOPO and NOM has a significant effect on ROA.

scholarly journals COMPARATIVE ANALYSIS OF COMMERCIAL BANKS GOVERNMENT OWNED AND PRIVAT

2018 ◽  
Vol 1 (1) ◽  
Author(s):  
Yuli Anwar
Keyword(s):  
Corporate Governance ◽  
Global Financial Crisis ◽  
Stock Exchange ◽  
Risk Profile ◽  
Good Corporate Governance ◽  
Healthy State ◽  
Analysis Technique ◽  
Private Banks ◽  
The Government ◽  
The Global Financial Crisis

The global financial crisis that occurred in 2008, the opening of free trade of Southeast Asia (MEA). As well as the use of new methods in the assessment of the health of the bank directly or indirectly impact on the health of the banking performance changes. This study aims to determine the differences between the health levels of government-owned banks and national enterprises listed on the Indonesia Stock Exchange in 2013 and 2014. An assessment of the soundness of banks is an assessment of the factors RGEC the risk profile (risk profile), corporate governance good (good corporate governance), earnings (earnings), and capital (capital). Banks are becoming a sample of 27 banks of the population of 41 banks with purposive sampling method. The data analysis technique used is the Independent sample T-test.The results showed that the condition of banks in terms of risk profile, corporate governance and capital in a healthy state with PK-II both in 2013 and 2014. In terms of profitability shows that state-owned banks in better shape with a very healthy predicate either in 2013 or 2014 . Meanwhile, a national privately owned banks in the state are healthy enough to PK-III both in 2013 and 2014. in addition, the results also showed that there were no differences between the health levels of government-owned banks and national private sector. Partially factor risk profile, corporate governance and capital did not show any significance between the government and private banks nationwide. While the earnings factor show opposite results.

scholarly journals APPLYING RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING AND CAPITAL (RGEC) METHOD TO PREDICT THE BANK HEALTH (CASE STUDY ON PT. BANK TABUNGAN NEGARA)

2018 ◽  
Vol 7 (02) ◽  
pp. 16
Author(s):  
Zainuddin Zainuddin ◽  
Yustiana Djaelani
Keyword(s):  
Corporate Governance ◽  
Risk Profile ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Composite Rating ◽  
Quantitative Descriptive ◽  
Method Approach ◽  
Descriptive Method

This study aimed to analyze the health of PT. Bank Tabungan Negara (Persero) Tbk over period of 2013 to 2017 RGEC method approach (Risk Profile, Good Corporate Governance, Earnings, Capital). This research is quantitative descriptive method. The variables in this study include Risk Profile using the ratio of Non Performing Loans (NPLs) and loan to Deposits Ratio (LDR), GCG using Composite Rating GCG, Earnings use ratios Return on Assets (ROA) and Net Interest Margin (NIM) and Last Capital uses Adequacy Capital ratio (CAR). The results showed Bank BTN predicate healthy enough where banks are still quite capable of carrying out risk-based banking management well, so they deserve to be trusted community. However, the calculation of the proportion of Loan to Deposits Ratio (LDR) is below standard bank of Indonesia with the predicate less healthy.

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