Analysis of Bank Rating with RGEC Method Case Study at PT Bank Mandiri (Persero) Tbk for the Period 2013–2017

DOI

10.2991/aebmr.k.200522.046How to use a DOI?

Keywords

bank health level, RGEC method

Abstract

Health of a bank has a great influence on the economy of a country, because if a bank into a group that is not healthy then the economy in a country will be disturbed, especially in the financial system. Therefore, banks are required to maintain and improve the level of health. This study aims to determine: Bank Health Level in terms of Risk Profile, Bank Health Level in terms of Good Corporate Governance, Bank Health Level in terms of Earnings, Bank Health Level from the side of Capital at PT. Bank Mandiri (Persero) Tbk period 2013 - 2017. Data collection method in this research is using documentary method. Data analysis method used in this research is quantitative analysis method that is by analyzing the numbers in financial statements then adjusted to the ratios and non-ratio as follows: (1) Risk Profile using financial ratio of NPL and LDR, (2) GCG based on self-assessment result of PT. Bank Mandiri (Persero), (3) Earning using financial ratio ROA, and ROE, and (4) Capital using CAR. Results of research at PT. Bank Mandiri (Persero) Tbk period 2013 showed that the soundness of the bank was very healthy, this was reflected in the final composite value of 86,66%, results of research at PT. Bank Mandiri (Persero) Tbk period 2014 showed that the soundness of the bank was very healthy, this was reflected in the final composite value of 86,66%, in period 2015 shows that the Bank soundness healthy, it is reflected from the final composite value obtained value of 83.33% For the period of 2016 shows that the Bank soundness healthy, it is reflected from the final composite value obtained value of 73.33%. For the period of 2017 shows that the Bank soundness healthy, it is reflected from the final composite value obtained value of 83.33%. Based on the results of the analysis, the ratio that affects the rise and fall of the bank’s health composite value is the ratio of NPL and ROE, because in the period 2016 PT. Bank Mandiri (Pesero) Tbk experienced a decline in composite value along with a decrease in the ratio of NPL and ROE. Thus the health results can be used as an evaluation by PT. Bank Mandiri (Persero) Tbk to be more selective in lending to prospective customers to better health of banks and will affect the profits generated.

Copyright

© 2020, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Lucky Ayu Stella
AU  - Ratih Puspitasari
PY  - 2020
DA  - 2020/05/25
TI  - Analysis of Bank Rating with RGEC Method Case Study at PT Bank Mandiri (Persero) Tbk for the Period 2013–2017
BT  - Proceedings of the 2nd International Seminar on Business, Economics, Social Science and Technology (ISBEST 2019)
PB  - Atlantis Press
SP  - 240
EP  - 245
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.200522.046
DO  - 10.2991/aebmr.k.200522.046
ID  - Stella2020
ER  -