Assessment of Bank's Financial Health Using Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) Analysis

This current situation in the banking world in Indonesia is experiencing increasingly fierce competition, increasingly difficult and open economic conditions. This study aims to determine the financial health of General Bank in Indonesia 2016–2020 using the RGEC method. This study uses quantified qualitative research method. The data analysis technique used is descriptive analysis. The results show in terms of the Risk Profile that the NPL ratio in the 2016–2019 period is categorized as "Healthy", and in the 2020 period it is categorized as "Sufficiently Healthy". Furthermore, the LDR ratio in the 2016–2019 period is categorized as "Sufficiently Healthy", and in the 2020 period it is categorized as "Healthy". From the GCG aspect, it shows that in the 2016–2020 period it is categorized as "Healthy". In terms of earnings, the ROA ratio in the 2016–2019 period is categorized as "Very Healthy", and ROA in the 2020 period is categorized as "Healthy". Furthermore, the NIM ratio in the 2016–2020 period is categorized as "Very Healthy". From a capital perspective, the CAR ratio in the 2016–2020 period is categorized as "Very Healthy". In terms of RGEC method, overall BRI, BNI, and BMRI banks in the 2016–2019 period was categorized as "Very Healthy", while in the 2020 period they were categorized as "Healthy".