ANALISIS TINGKAT KESEHATAN BANK DENGAN PENDEKATAN RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) (Studi Pada PT. Bank Tabungan Negara Tbk Periode 2013-2016)

RUQIA, AZIZI (2018) ANALISIS TINGKAT KESEHATAN BANK DENGAN PENDEKATAN RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) (Studi Pada PT. Bank Tabungan Negara Tbk Periode 2013-2016). Skripsi thesis, Universitas Wahid Hasyim Semarang.

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Abstract

This was an evaluation study involving PT Bank Tabungan Negara in 2013-2016 as the research subjects. The data were collected through documentation. The data analysis technique was an analysis of the soundness of banks using the Risk-based Bank Rating approach with an assessment coverage including RGEC factors. The results of the study showed that in 2012-2014: (1) the aspect of Risk profile of PT Bank Tabungan Negara with NPL scores of, consecutively, 3.04 percent (sound), 2.76 percent (sound), 2.11 percent (sound), 2.35 percent (sound), and LDR of 104.42 percent (unsound), 108.86 percent (unsound), 108.78 (unsound) and 102.66 percent (unsound); (2) the aspect of GCG in 2013 was in a very sound condition wi th score of 1.01, but in 2014 it fell down to 1.92 with a sound criterion 2015 and 2016 rise up to 1.74 and 0.29 with very sound criterion; (3) the aspect of Earnings was consecutively in the sound condition with ROA scores of 1.79 percent, 1.14 percent, 1.61 percent and 1.76 percent, and NIM of 5.44 percent (very sound), 4.47 percent (sound), 4.48 percent (sound) and 4.98 percent (sound); (4) the aspect of Capital with CAR scores of 15.62 percent (very sound), 14.67 percent (sound), 16.97 percent (very sound) and 20.34 perent (very sound); and (5) the aspect of RGEC as a whole was consecutively in the level of Composite 1, which was very sound, with scores of 87.00 percent, in 2014 the level of composite is 2 which was sound with score 77.00 percent in 2015 the level of composite is 2 which was sound with score 83.00 percent and 2016 the level of composite is 1 which was very sound with score 87.00 percent.

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