Banking Health Assessment of Commercial Banks in Indonesia Using RGEC Methods: A Comparative Study

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Daryanto, Wiwiek Mardawiyah and Utami, Agung Sri and Rakhmawati, Tri Septia (2018) Banking Health Assessment of Commercial Banks in Indonesia Using RGEC Methods: A Comparative Study. International Journal of Business Studies, 2 (3). pp. 122-132. ISSN 2580-0132

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Abstract

The study aims to analyze and compare the banking health assessment of commercial banks in Indonesia using RGEC methods. RGEC methods are included Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC). This study used descriptive with quantitative approach. The variables in this study includes Risk Profile using ratio of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG) using Composite Rating GCG, Earnings using ratios of Return on Assets (ROA), Net Interest Margin (NIM), and Capital using Capital Adequacy Ratio (CAR). The data were collected from audited financial report of two commercial banks in Indonesia which are PT Bank UOB Indonesia and PT Bank KEB Hana Indonesia for the period 2013 to 2017. The result showed that the financial health level of PT Bank UOB Indonesia and PT Bank KEB Hana Indonesia was quite healthy. It indicates that the ability of the corporate's performance results had achieved very well. Keywords: Banking Health Assessment, Financial Performance, Commercial Banks, RGEC Methods.

Item Type: Article
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HF Commerce > HF5601 Accounting
H Social Sciences > HG Finance
Divisions: Research And Community Empowerment > Journals
Depositing User: Rizky Amalia
Date Deposited: 23 Jan 2020 04:47
Last Modified: 22 Dec 2021 04:36
URI: http://repository.ipmi.ac.id/id/eprint/562

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