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/).
Cite this article
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 -