ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, AND CAPITAL) PADA PT BANK KALTIMTARA PERIODE 2016-2020 --

ABSTRAK
Mulyati, Indah Dwi 2021 “Analisis Tingkat Kesehatan Bank Dengan Metode
RGEC (Risk Profile, Good Corporate Governance, Earnings, dan Capital Pada PT Bank
Kaltimtara Periode 2016-2020”. Dibawah bimbingan Bapak Aris Tri Cahyono, SE.,
M.SA., Ak selaku pembimbing pertama dan Bapak H. Ibrahim MS, SE., M.Bus, selaku
pembimbing kedua. Objek penelitian ini yaitu Bank Pembangunan Daerah Kalimantan
Timur dan Kalimantan Utara. Penelitian ini bertujuan untuk mengetahui tingkat
kesehatan bank Kaltimtara periode 2016-2020. Metode yang digunakan adalah metode
RGEC (Risk profile, Good Corporate Governance, Earnings, Capital). Perhitungan
rasio yang digunakan adalah Non Performing Loan (NPL), Loan to Funding Ratio
(LFR), Return On Assets (ROA), Net Interest Margin (NIM), Beban Operasional
Terhadap Pendapatan Operasional (BOPO), dan Capital Adequacy Ratio (CAR). Data
yang digunakan adalah laporan keuangan tahun 2016-2020. Hasil penelitian
menunjukan tingkat kesehatan bank kaltimtara selama periode 2016-2020 dari segi
profil risiko yaitu dengan menganalisis risiko kredit yang diwakili rasio NPL (Non
Perfroming Loan) dikatakan sehat dengan rata-rata pertahun sebesar 2,42% dan analisis
risiko likuiditas yang diwakili dengan rasio LFR (Loan to Funding Ratio) dapat
dikatakan sehat dengan rata-rata pertahun sebesar 80,52%. sedangkan dari GCG (Good
Corporate Governance) kinerja Bank baik serta secara keseluruhan dari segi rentabilitas
(Earnings) yaitu dengan menganalisis rasio ROA (Return On Assets) dikatakan sangat
sehat dengan rata-rata pertahun sebesar 2,15% dan rasio NIM (Net Interest Margin)
dikatakan sangat sehat dengan rata-rata pertahun sebesar 7,66% , dan rasio BOPO
(Beban Operasional Terhadap pendapatan Operasional) dikatakan sangat sehat dengan
rata-rata pertahun 72,30% . Secara keseluruhan dari segi permodalan dengan
menghitung rasio CAR (Capital Adequacy Ratio) dengan rata-rata 23,20% pertahun
maka Bank dikatakan sangat sehat.
Kata Kunci : Tingkat Kesehatan Bank,Metode RGEC.
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ABSTRACT
Mulyati,Indah Dwi 2021 “Analyze Bank Health Level with Risk Profile, Good
Corporate Governance (GCG), Earnings, and Capital, hereinafter referred to as the
RGEC method. Under the guidance of the Aris Tri Cahyono, SE., M.SA., Ak as the first
mentor and H. Ibrahim MS, SE., M.Bus, as the second mentor. The object of this
research is Regional development Bank kalimantan timur dan kalimantan utara. This
study aims to determine the soundness of the Bank Kaltimtara Period 2016 s.d 2020.
The method used is the RGEC (Risk Profile, Good Corporate Governance, Earnings,
Capital). The calculation of the ratio used is Non Performing Loan (NPL), Loan to
Funding Ratio (LFR), Return On Assets (ROA), Net Interest Margin (NIM), BOPO
(Beban Operasional terhadap Pendapatan Operasional), Capital Adequacy Ratio
(CAR). The data used is the 2016-2020. The results showed that the.overall financial
performance of PT. Bank Kaltimtara during the period 2016-2020 in terms of risk
profile by the NPL (Non Performing Loan) it is said healthy with an average 2,42%
and from the anaylsis of liquidity risk represented by LFR (Loan to Funding Ratio)
ratio it can be said healthy with an average 80,52%. Meanwhile, in terms of GCG
(Good Corporate Governance), the Bank's performance is good as well as the overall
financial performance in terms of profitability (earnings), namely by analyzing the
ROA (Return on Assets) ratio it is said very healthy with an average 2,15%, and the
NIM (Net Interest Margin) ratio it is said very health with an average 7,66%, and the
BOPO (Beban Operasional Terhadap Pendapatan Operasional) it is said very healthy
with an average 72,30%. Overall financial performance in terms of capital by
calculating the CAR (Capital Adequacy Ratio) with an average 23,20% of the Bank is
said to be very healthy.
Keywords: Bank Healthy Level, Method RGEC
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