Research Article
Analysis of Bank Soundness with RGEC Method (Risk Profile, Good Corporate Governance, Income and Capital)
@INPROCEEDINGS{10.4108/eai.26-3-2019.2290695, author={Ahmad Farhan and Safira Safira}, title={Analysis of Bank Soundness with RGEC Method (Risk Profile, Good Corporate Governance, Income and Capital)}, proceedings={Proceedings of the First Annual Conference of Economics, Business, and Social Science, ACEBISS 2019, 26 - 30 March, Jakarta, Indonesia}, publisher={EAI}, proceedings_a={ACEBISS}, year={2020}, month={2}, keywords={bank soundness level rgec method}, doi={10.4108/eai.26-3-2019.2290695} }- Ahmad Farhan
Safira Safira
Year: 2020
Analysis of Bank Soundness with RGEC Method (Risk Profile, Good Corporate Governance, Income and Capital)
ACEBISS
EAI
DOI: 10.4108/eai.26-3-2019.2290695
Abstract
(1)The purpose of this study is to determine the health level of Bank Muamalat Indonesia, Tbk in 2015-2017 by using the RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) methods. Bank soundness is measured by using several financial ratios. These ratios include NPF, FDR, GCG, ROA, ROE, NOM, BOPO, and CAR. This study uses descriptive study design with Bank Muamalat Indonesia, Tbk in 2015-2017 as a subject. The data is obtained from the documentation and analysis technique which is the RGEC method. The result of this study indicates during 2015-2017, the Risk Profile aspect of Bank Muamalat Indonesia, Tbk which was assessed by using the ratio of NPF and FDR as a whole illustrating of the well-implemented risk management. Aspects of Good Corporate Governance Bank Muamalat Indonesia, Tbk has implemented good corporate governance. Aspects of Earnings whose valuation uses ROA, ROE, NOM, and BOPO ratios, even though they are considered poor but there are increasing of the efforts every year by Bank Muamalat Indonesia, Tbk. Capital aspect by using CAR ratio, Bank Muamalat Indonesia, Tbk as a whole can be considered very good.