ANALYSIS OF BANK HEALTH LEVEL USING RBBR (RISK-BASED BANK RATING) METHOD (STUDY ON PT BANK MANDIRI (PERSERO) TBK FOR THE 2018-2022 PERIOD)

Authors

  • Furqan Ramadhan Jazadi Sangga Buana University, Indonesia
  • Rozmita Dewi Yuniarti R

DOI:

https://doi.org/10.29040/ijebar.v7i3.9460

Abstract

Bank is a financial institution that makes it easier for people to save funds, need funds, their business activities are in the financial sector. Determination of bank conditions must be based on the assessment of the soundness of the bank as stated in Bank Indonesia Regulation No.13/1/PBI/2011. This study aims to determine the development of risk profile earnings, capital and health levels at Bank Mandiri for the 2018-2022 period using the RBBR (Risk-Based Bank Rating) method. This type of research is descriptive research with a quantitative approach. This study uses three of the four assessment factors, namely the risk profile using two risks, namely credit risk with the NPL ratio and liquidity risk with the LDR ratio, profitability using two ratios, namely the ROA ratio and the NIM ratio, and capital using the CAR ratio, and using the GCG factor. The results showed that Bank Mandiri's NPLs in 2018-2022 had poor developments in terms of bad loans, this was the impact of the Covid-19 pandemic. Overall, Bank Mandiri's level of soundness in 2018-2022 based on the ratio of NPL, LDR, ROA, NIM and CAR can be categorized as healthy although there are some that can also be categorized as quite healthy. Keywords: The Bank Soundness level, Risk Based Bank Rating (RBBR) method

Author Biography

Furqan Ramadhan Jazadi, Sangga Buana University

Magister Akuntansi

References

Bank Mandiri. (2016). Bank Mandiri Governance Rating. https://bankmandiri.co.id/documents/38268824/0/GCG+2021+%28indo%29.pdf/3a0e804c-d83c-933f-baf3-f3d8ef72f117?t=1646622921280

Febrianti, F., &; Praktiko, M. I. S. (2023). Analysis of Bank Health Level using RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) at PT Bank Aladin Syariah. ADILLA: Journal of Sharia Economics, 6(1), 22.

https://doi.org/https://doi.org/10.52166/adilla.v6i1.3965

Hayumurti, A., &; Setianegara, R. G. (2019). Analysis of Bank Health Level Assessment Using Risk Based Bank Rating Method at PT Bank Danamon Indonesia, Tbk for the 2014-2017 Period. Accounting, 7(2302), 30–39. https://doi.org/10.32497/keunis.v7i2.1583

Inda, T. I. F. R. (2021). Sharia Bank's capital performance amid the Covid-19 pandemic. J-EBIS (Journal of Islamic Economics and Business), 6, 142–159. https://doi.org/https://doi.org/10.32505/j-ebis.v6i2.3530

Commercial Bank Health Level Assessment, Pub. L. No. 4 /POJK.03/2016 (2016). https://www.ojk.go.id/id/kanal/perbankan/regulasi/peraturan-ojk/Documents/Pages/pojk-tentang-penilaian-tingkat-kesehatan-bank-umum/SALINAN-POJK 4 votes.pdf

SEOJK NO 14/SEOJK.03/2017 concerning the Health Level of Commercial Banks, Pub. L. No. 14/SEOJK.03/2017, Financial Services Authority 24 (2017). http://www.ojk.go.id/id/kanal/perbankan/regulasi/surat-edaran-ojk/Pages/Surat-Edaran-Otoritas-Jasa-Keuangan-Nomor-14-SEOJK.03-2017.aspx

Saputra, H., Afrizal, A., & Makmur. (2016). Analysis of Bank Health Level Using Camel Method at PT. Bank Rakyat Indonesia Tbk. Business Administration, 5, 45.

Supartoyo, Y. H., Juanda, B., Firdaus, M., &; Effendi, J. (2018). The Influence of the Financial Sector of Rural Banks on the Regional Economy of Sulawesi Region. Economic and Financial Studies, 2(1), 15–38. https://doi.org/10.31685/kek.v2i1.207

Ulfha, S. M. (2018). Analysis of Bank Health Level with Risk Based Bank Rating Method). Center for Scientific Journals of Pasir Pengaraian University, 10(3). https://doi.org/10.37641/jiakes.v10i3.1434

Downloads

Published

2023-09-12

How to Cite

Jazadi, F. R., & Yuniarti R, R. D. (2023). ANALYSIS OF BANK HEALTH LEVEL USING RBBR (RISK-BASED BANK RATING) METHOD (STUDY ON PT BANK MANDIRI (PERSERO) TBK FOR THE 2018-2022 PERIOD). International Journal of Economics, Business and Accounting Research (IJEBAR), 7(3), 930–944. https://doi.org/10.29040/ijebar.v7i3.9460

Issue

Vol. 7 No. 3 (2023): IJEBAR, VOL. 07 ISSUE 03, SEPTEMBER 2023

Section

Articles

Citation Check

License

Authors who publish with IJEBAR agree to the following terms: Authors retain copyright and grant the IJEBAR right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgement of the work's authorship and initial publication in IJEBAR. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in IJEBAR. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).