Analysis of the Health Level of Conventional Commercial Banks Period 2018-2021

Abstract

This study aims to determine how the assessment of the health level of conventional commercial banks using the RGEC method (Risk Profile, Good Corporate Governance, Earning and Capital) for the 2018-2021 period. Thedata used in this study are secondary data. The population in this study were 40 banking companies. Based on thesampling technique with purposive sampling, a sample of 8 banking companies was obtained. The results of thisstudy are: (1) The 2018 bank health level assessment shows that Bank BRI, Bank BNI, Bank Mandiri, Bank BCAand Bank OCBC NISP are in the PK-1 (Very Healthy) category, while Bank Cimbniaga and Bank BTN are in thePK-2 (Healthy) category, and Bank Permata is in the PK-3 (Fairly Healthy) category, (2) Assessment of the healthlevel of banks in 2019 shows that Bank BRI, Bank BNI, Bank Mandiri, Bank BCA and Bank OCBC NISP arecategorized as PK-1 (Very Healthy), while Bank Cimbniaga and Bank Permata are categorized as PK-2 (Healthy),and Bank BTN is categorized as PK-3 (Fairly Healthy), (3) Assessment of the health level of banks in 2020 showsthatBankBRI,BankBNI,BankMandiri,BankBCAandBankOCBCNISPareinthePK-1(VeryHealthy)category,whileBankCimbniagaandBankPermataareinthePK-2(Healthy)category,andBankBTNisinthePK-3(FairlyHealthy) category, (4) Assessment of the health level of banks in 2021 shows that Bank BRI, Bank BNI, BankMandiri,BankBCA,BankCimbniaga,andBankOCBCNISPareinthePK-1(VeryHealthy)category,whileBankBTNandBankPermata are in the PK-2(Healthy)category.