Measuring Islamic Bank's  Performance Using CAMELS And RGEC Method Based On Indonesian Financial Services Authority Circular

Abdullah, Agung

doi:10.47153/jbmr14.442020

Cited by 5 publications

(5 citation statements)

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“…The RGEC approach, which is based on the Financial Services Authority Regulation Number 8/POJK.03/2014, serves as a template for evaluating the soundness level of Islamic commercial banks and their business units. Banks must undertake a standalone or consolidated assessment of their soundness level using the RGEC method (Abdullah, 2020). The bank soundness level assessment process involves scrutinizing various factors, including the Risk Profile, Good Corporate Governance, Earnings, and Capital of the bank.…”

Section: Rgec Methods (Risk Profile Good Corporate Governance Earning...mentioning

confidence: 99%

Bank NTB Syariah's Soundness: A Multi-Method Assessment Using Camels, Rgec, and Altman Z-Score

Syahrir,

Hosen,

Wahyudi

2023

JMBI UNSRAT

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This paper endeavors to appraise the level of stability of Bank NTB Syariah during the time span of 2019 to 2021, by employing the CAMELS technique (which scrutinizes the bank's Capital, Assets, Management, Earnings, Liquidity, and Market Sensitivity), RGEC (which assesses the Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital), as well as the Altman Z Score method (which analyzes the potential for bankruptcy). The data utilized for this research were procured through the application of documentation techniques and sourced from the financial statements and annual reports of Bank NTB Syariah, from 2019 to 2021. The data analysis technique utilized involved an evaluation of the bank's level of stability, utilizing a risk-based approach, encompassing the CAMELS, RGEC, and Altman Z Score factors. Based on the appraisal of the level of stability of PT. Bank NTB Syariah from 2019 to 2021, as evaluated by the comprehensive RGEC and CAMELS approach, the bank is deemed to be in a sound financial condition. However, the results of the bankruptcy prediction analysis, utilizing the Altman Z Score model, indicate that the financial state of Bank NTB Syariah in 2021 is situated in a nebulous area, albeit superior to its condition in 2020 and 2019, which indicated an indication of financial distress and potential bankruptcy.

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Section: Rgec Methods (Risk Profile Good Corporate Governance Earning...mentioning

confidence: 99%

Bank NTB Syariah's Soundness: A Multi-Method Assessment Using Camels, Rgec, and Altman Z-Score

Syahrir,

Hosen,

Wahyudi

2023

JMBI UNSRAT

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“…If the NPF value is low, it means that the financing problems faced by the bank are also low, but if the value is high, the bank is experiencing high financing problems. So it can be concluded that the higher the NPF value, the greater the losses experienced, therefore bank profits will also decrease, and vice versa, the lower the NPF value, the higher the profits (Abdullah, 2020). Research conducted by (Irwin Muslimin et al, 2023) shows that NPF has a significant negative impact on ROA.…”

Section: Non Performing Finance (Npf)mentioning

confidence: 99%

Influence of CAR, FDR, NPF, and Profit Sharing Ratio on BCA Syariah's Financial Performance for the 2016-2022 Periods

Dina Christiana,

Putri

2023

JUEBIR

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The rapid development of the banking world at this time is one of the factors that makes daily financial transactions easier. One way to see how well PT is performing. BCA Syariah Bank is based on its financial reports, as the object to be studied, researchers will analyze BCA Syariah's quarterly financial reports obtained from the official OJK website. Financial performance can be seen from the size of ROA, while the size of ROA itself can be influenced by CAR, FDR, NPF and Profit Sharing Ratio. Therefore, the aim of this research is to determine the partial and simultaneous influence of CAR, FDR, NPF and Profit Sharing ratio on BCA Syariah's ROA for the 2016-2022 period. The samples in the research were all quarterly financial reports for the 2016-2022 period with a total of 28 samples and the sampling technique was purposive sampling. The analytical method used is multiple linear regression analysis with the help of the Eviews 10 program. The research results show that partially (1) CAR has a significant negatif effect on ROA, (2) FDR, NPF and Profit Sharing Ratio do not have a significant effect on ROA. Meanwhile, CAR, FDR, NPF and Profit Sharing Ratio simultaneously influence BCA Syariah's ROA for the 2016-2022 period.

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“…13/24/DPNP dated October 25, 2011 (Bank Indonesia, 2011), which demands banks, including Islamic, to assess their soundness level based on risk using the RGEC (Sari & Lestari, 2022). The RGEC framework includes Risk Profile, Good Corporate Governance, Earnings, and Capital Adequacy, which assesses a bank's vulnerability to risk, managerial quality, profit generation, and capacity to withstand losses (Abdullah, 2020).…”

Section: Introductionmentioning

confidence: 99%

Capturing Islamic bank performance in Indonesia during the COVID-19 crisis: RGEC and SCNP approaches

Hanif Noor Athief,

Ahmad Zaky,

Virgiawan

et al. 2024

Banks and Bank Systems

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While adhering to the unique principle of Islamic value, Islamic banks are subject to any occurring crisis, just like other banks in common. After the end of the COVID-19 crisis, it is important to determine whether Islamic banking can demonstrate its resilience based on the unique values it upholds. Therefore, the primary objective of this study is to capture how Islamic banks performed during the unprecedented challenge posed by COVID-19. By utilizing the data generated from financial reports, this study employs the RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) method that was introduced by Indonesia Central Bank and SCnP (Sharia Conformity and Profitability) measurement. The findings show that by utilizing RGEC, the study classifies Islamic banks into tiers of health, distinguishing 7 as very healthy, 5 as healthy, and 2 as fairly healthy. Meanwhile, SCnP sheds light on the balance between Sharia conformity and profitability, highlighting 2 Islamic banks with commendable equilibrium, 5 displaying a tilt towards high profitability and low conformity, 4 with a tendency towards Shariah conformity with low profitability, and 3 struggling with challenges in both aspects. The study concludes the overall financial resilience of the majority of Islamic banks in Indonesia during the pandemic while noting that some banks faced challenges in achieving a harmonious balance between profitability and Sharia conformity.

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Measuring Islamic Bank's Performance Using CAMELS And RGEC Method Based On Indonesian Financial Services Authority Circular

Cited by 5 publications

References 0 publications

Bank NTB Syariah's Soundness: A Multi-Method Assessment Using Camels, Rgec, and Altman Z-Score

Bank NTB Syariah's Soundness: A Multi-Method Assessment Using Camels, Rgec, and Altman Z-Score

Influence of CAR, FDR, NPF, and Profit Sharing Ratio on BCA Syariah's Financial Performance for the 2016-2022 Periods

Capturing Islamic bank performance in Indonesia during the COVID-19 crisis: RGEC and SCNP approaches

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