PENILAIAN KESEHATAN BANK DENGAN PENDEKATAN RISIKO (RISK BASED BANK RATING)

Abstract

This main aims of this study is to assess rate of health commercial bank is carried out by using Risk Based
Bank Rating approach or it is commonly called as Risk Profile, Good Corporate Governance, Earning, and
Capital (RGEC) method. This research applies descriptive qualitative. The result is the risk profile factor which
is measured by using 2012-2014 NPL ratio which shows that the bank is in a very good condition with the
average value is ≤ 2% every year. The 2012-2014 LDR ratio shows that the bank is in good condition with the
average value is 82%-84% every year. The assessment of 2012-2014 GCG factor shows that the bank is in good
condition even though there are some banks in quite well and less good in 2012. The rentability factor which is
measured by using 2012-2014 ROA and NIM ratios show the average result of the assessment that the bank is
in good condition every year. The capital factor which is measured by using CAR shows that in 2012-2014
periods the bank is in a very good condition every year.
Keywords: good corporate governance, bank health, risk approach, financial ratio.