Scholars Bulletin (SB)
Volume-5 | Issue-06 | Sch Bull, 2019; 5(6): 310-315
Research Article
Health Analysis of Bank Using the RGEC Method (Risk Profile, Good Governance, Earnings, Capital) At PT Bank Mandiri (Persero) Tbk, 2014-2017 Period
Garin Pratiwi Solihati
Published : June 30, 2019
Abstract
Bank Indonesia made changes to regulations regarding the assessment of bank soundness. The soundness of the bank was initially regulated in Bank Indonesia regulation number 6/10 / PBI / 2004 concerning the bank soundness rating system using the CAMELS method (Capital, Assets, Management, Earning, Liquidity, Sensitivity), then changed to Bank Indonesia regulation number 13/1 / PBI / 2011 concerning the bank soundness rating system using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital), the regulation contains that banks are required to assess the soundness of banks using a Risk-based Bank Rating approach both individually or on a consolidated basis. This research is a type of evaluative research. Evaluative research is research whose activities collect data or information to be compared with criteria and then draw conclusions. The documents used in this study are the Financial Statements and Annual Reports of PT. Bank Mandiri (persero) Tbk 2014-2017 Period. Independent bank health assessment is based on a rating system for commercial banks, in accordance with Bank Indonesia Regulation No. 13/1 / PBI / 2011, and SE No. 13/24 DPNP on October 25, 2011, based on the bank's health assessment conducted by the RGEC method, it was concluded that the health level of PT. Bank Mandiri (Persero) Tbk from 2014-2017 is Very Healthy (SS)