Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) pada PT. Bank Mega Syariah Periode Tahun 2017-2021

Abstract

This study analyzes the health level of banks using the Risk-Based Bank Rating (RBBR) method. The secondary data used in this study was taken from the Financial Statements of PT Bank Mega Syariah on the official website of PT Bank Mega Syariah for the period 2017-2021. The Risk-Based Bank Rating (RBBR) method based on BI Circular No. 13/24/DPNP uses Risk Profile, Earning and Capital assessments. The method used in this research is descriptive research method with a quantitative approach. The results show that the Risk Profile component calculated using the NPF ratio in 2017 was 2.75 percent, in 2018 it was 1.96 percent, in 2019 it was 1.49 percent, in 2020 it was 1.38 percent and in 2021. by 0.97 percent. In addition, the FDR ratio in 2017 was 91.05 percent, in 2018 it was 90.88 percent, in 2019 it was 94.53 percent, in 2020 it was 63.94 percent, and in 2021 it was 62.84 percent. In the Earning component calculated using the ROA ratio in 2017 it was 1.56 percent, in 2018 it was 0.93 percent, in 2019 it was 0.89 percent, in 2020 it was 1.74 percent and in 2021 it was 4.08 percent. In addition, the NIM ratio in 2017 was 6.03 percent, in 2018 it was 5.52 percent, in 2019 it was 5.36 percent, in 2020 it was 4.97 percent and in 2021 it was 4.35 percent. For the capital component calculated using the CAR ratio in 2017 it was 22.19 percent, in 2018 it was 20.54 percent, in 2019 it was 19.96 percent, in 2020 it was 24.15 percent and in 2021 it was 25.59 percent. From the results of the study, it is known that the ratio of ROA shows poor results.

Risk Management and Rate in Growing of Profit-Sharing Financing

“…The approach used is the risk approach or what is known as the risk-based bank rating (RBBR). The RBBR method utilizes the four factors issued by SE BI no 13/24/DPNP including good corporate governance, risk profile, profitability, and capital (Radiyanti, 2020).…”

“…The risk profile is measured by indicators of NPF and liquidity ratios which are used to measure a company's ability to pay off its current debts owned by a bank. An indicator that can be used to calculate the liquidity ratio is the financing-to-deposit ratio (Dani & Wiarta, 2022). Good corporate governance (GCG) is an assessment of the quality of bank management for the implementation of GCG principles.…”

“…This is used to measure a bank's ability to obtain optimal profit from managing its assets (Rizal & Humaidi, 2021). According to Dani & Wiarta (2022), an assessment of capital is an assessment that can be done using the capital adequacy ratio (CAR). This ratio is employed in determining the adequacy of a bank's minimum capital participation to cover risks that may occur, such as operational, market, and credit risks.…”

Analisis Tingkat Kesehatan Bank Umum Syariah Menggunakan Metode Rgec (Studi Kasus Pada Bank Pemerintah Daerah Tahun 2019-2022)

“…Penilaian earnings adalah evaluasi yang dilakukan oleh manajemen bank untuk mengelola aspek keuangan mereka dengan tujuan meningkatkan laba (Dani & Wiarta, 2022). Rentabilitas atau earnings dapat digunakan sebagai alat pengukuran untuk mengetahui seberapa efektif suatu bisnis dalam menghasilkan laba selama suatu periode.…”

Analysis of Risk-Based Bank Ratings in Banking Companies before and After Merger: Case Study Indonesian Banking Industries

“…The RBBR method is a refinement of the CAMELS method (Capital, Asset Quality, Management, Earning, Liquidity, and Sensitivity Of Risk). With the RBBR method, banks are expected to be able to identify problems early on and follow up on appropriate and faster improvements (Dani & Wiarta, 2022). As stipulated in the Financial Services Authority Regulation No.4/POJK.03/2016, commercial banks are required to self-assess the health of their banks using the risk based bank rating (RBBR), both individually and consolidated, by using several factors, namely Risk Profile, Good Corporate Governance (GCG), Profit and Capital or known as RGEC.…”