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Assessment of Bank Health Level Using RGEC Method at PT. Bank Artos Indonesia, Tbk period 2012-2016

Tugas Akhir, 049 / 2017 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2018-02-14 11:15:04
Oleh : Ragis Maulana - 145121051 (maulanaragism@gmail.com)
Dibuat : 2018-02-14, dengan 4 file

Keyword : ingkat kesehatan bank, Metode RGEC (Risk Profile, Good Corporate Governance, Earning dan Capital)
Subjek : Bank soundness, RGEC Method (Risk Profile, Good Corporate Governance, Earning and Capital)

Penelitian ini bertujuan untuk melakukan penilaian tingkat kesehatan Bank Artos Indonesia periode 2012-2016. Penelitian ditinjau dari aspek Risk Profile, Good Corporate Governance, Earning dan Capital (RGEC) sesuai dengan PBI No. 13/1/PBI/2011. Penilaian tingkat kesehatan bank yang dilakukan menggunakan rasio keuangan. Rasio keuangan yang digunakan terdiri dari Non Perfoming Loan (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG), Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin (NIM), Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Capital Adequacy Ratio (CAR). Penilaian tingkat kesehatan bank tersebut didasari oleh analisis laporan keuangan yang hasilnya merujuk pada tingkat kesehatan bank berdasarkan rasio-rasio keuangan yang digunakan. Data yang digunakan dalam penelitian ini diperoleh dari Laporan Keuangan Publikasi Tahun dari periode 2012 sampai 2016 yang diterbitkan oleh Bank Artos Indonesia. Metode penelitian yang digunakan untuk menilai tingkat kesehatan adalah metode penelitian deskriptif dengan pendekatan kuantitatif, artinya menggambarkan, menjelaskan dan memaparkan hasil data yang kuantitatif. Penilaian tingkat kesehatan yang dihasilkan pada periode 2012- 2016 Rasio NPL 0,55%, 0,24%, 3,10%, 1,96% dan 3,75%. Rasio LDR 98,43%, 107,98%, 92,93%, 82,73%, dan 78,16%.Rasio GCG 1,000, 1,425, 2,575, 2,875 dan 2,625. Rasio ROA 0,18%, 0,48%, 0,25%, 0,01% dan -4,89%. Rasio ROE 0,40%, 2,15%, 1,08%, -0,29% dan -22,63%. Rasio NIM 5,05%, 4,61%, 3,86%, 5,18% dan 5,12%. Rasio BOPO 99,66%, 94,89%, 98,45%, 100,58% dan 143,04%. Rasio CAR 27,72%, 21,64%, 16,48%, 19,16% dan 22,87%. Dari hasil penilaian Bank artos mendapatkan predikat Kurang Sehat. Kata Kunci: Tingkat kesehatan bank, Metode RGEC (Risk Profile, Good Corporate Governance, Earning dan Capital).

Deskripsi Alternatif :

This study aims to assess the health rating of Bank Artos Indonesia for the period 2012-2016. Research is reviewed from aspects of Risk Profile, Good Corporate Governance, Earning and Capital (RGEC) in accordance with PBI No. 13/1 / PBI / 2011. Rating of bank soundness performed using financial ratios. The financial ratios used consist of Non Perfoming Loan (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG), Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin (NIM) Operational to Operational Income (BOPO) and Capital Adequacy Ratio (CAR). Assessment of bank soundness is based on the analysis of financial statements that the results refer to the level of bank health based on the financial ratios used. The data used in this research is obtained from the Publication Report of the Year from period 2012 to 2016 issued by Bank Artos Indonesia. The research method used to assess the level of health is descriptive research method with quantitative approach, meaning to describe, explain and explain the results of quantitative data. Assessment of health levels generated in the period 2012-2016 NPL ratio of 0.55%, 0.24%, 3.10%, 1.96% and 3.75%. The LDR ratio is 98.43%, 107.98%, 92.93%, 82.73%, and 78.16% .GCG ratios are 1,000, 1.425, 2.575, 2.875 and 2.625. Ratio of ROA 0.18%, 0.48%, 0.25%, 0.01% and -4.89%. Ratio of ROE 0.40%, 2.15%, 1.08%, -0.29% and -22.63%. The NIM ratio is 5.05%, 4.61%, 3.86%, 5.18% and 5.12%. BOPO ratio of 99.66%, 94.89%, 98.45%, 100.58% and 143.04%. CAR Ratio of 27.72%, 21.64%, 16.48%, 19.16% and 22.87%. From the assessment of Bank Artos get predicate less Healthy. Keywords: Bank soundness, RGEC Method (Risk Profile, Good Corporate Governance, Earning and Capital).

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