ANALISIS TINGKAT KESEHATAN BANK DIGITAL DI INDONESIA DENGAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL (RGEC) PADA PERIODE 2021 -2024

Abstract

The rapid development of digital banks in Indonesia needs to be accompanied by sound bank health conditions to maintain financial stability and public trust. This study aims to analyze the health level of digital banks in Indonesia during 2021-2024 period using the risk profile, good corporate governance, earnings, and capital (RGEC) method. This study employed a descriptive research design with a sample of 12 digital banks selected through purposive sampling. The data used consisted of annual reports and financial statements of digital banks from 2021 to 2024. The analysis was conducted using the indicators of Non Performing Loan, Loan Deposit Ratio, Good Corporate Governance, Return on Assets, and Capital Adequacy Ratio. The result indicate that the risk profile aspect, as measured by NPL, achieved an average of 2,51%, which falls into the healthy category, while the average LDR was 104,49%. The good corporate governance aspect obtained rating of 2,02, indicating a good category. The earning aspect measured by ROA record an average of 0,27%, which is categorized as less healthy. The capital aspect, measured by CAR, achieved an average of 50,61%, indicating a very healthy category. Overall, the assessment of bank health using the RGEC method produced an average score of 78%, placing digital banks in Indonesia within the healthy category.