Analysis of Differences in Bank Health Levels Using the RGEC Method (Case Study on Foreign Exchange National Private Commercial Bank)

Abstract

This study aims to determine comparation of the health level of Foreign Exchange Banks before and during the Covid-19 Pandemic from the aspect of Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital (RGEC). In this study, the assessment of the Risk Profile factor seen from credit risk is measured by the NPL ratio and liquidity risk is measured by the LDR ratio, the Good Corporate Governance (GCG) factor is measured by the bank's self-assessment, the Earnings factor is measured by the ROA and NIM ratios, and the Capital factor measured by the CAR ratio.The results of the study concluded that the health level of the Foreign Exchange National Private Commercial Bank before and during the Covid-19 pandemic was in the Very Healthy criteria. This is shown by the differences in the LDR, ROA, NIM and CAR ratios before and during the Covid-19 pandemic and there are no differences in the NPL and GCG ratios before and during the Covid-19 pandemic. Keywords: bank health level; risk profile; good corporate governance; Earnings; capital