Volume 07 Issue 01 January 2024
1Ahmad Haidar Fakhruddin, 2Tony Seno Aji
1Economics Scholar of Undergraduate Economics Department, Faculty of Economics and Business, State University of Surabaya, Surabaya, Indonesia
2Economics Department Coordinator of Undergraduate Economics Department, Faculty of Economics and Business, State University of Surabaya, Surabaya, Indonesia
DOI : https://doi.org/10.47191/ijsshr/v7-i01-20Google Scholar Download Pdf
ABSTRACT
Banks play a very important role in driving the wheels of the country's economy because they provide credit access facilities and provide interest rates to people who want to save. Through Bank Indonesia Regulation Number 13/1/PBI/2011, Bank Health Level Assessment using the Risk-Based Bank Rating (RBBR) method using Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC) factors is a method for assessing how healthy a bank is. This research wants to assess the health level of Bank Jatim through the financial ratios in the Financial Report. The data used are ROA, ROE, NPL-Gross, LDR, BOPO, NIM, CAR, and the results of GCG self-assessment reporting which follow factors. As a result, the Risk Profile factor decreased in 2020 and 2021 and improved in 2022. The Earnings factor decreased in 2021 and 2022 compared to 2019. The GCG factor increased in 2019 but the trend is stagnant until 2022. The Capital factor decreased in 2019 and experienced a positive increase from 2020 to 2022.
KEYWORDS:RBBR, RGEC, Bank Jatim, Financial Report, Bank Health
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