Analisis Tingkat Kesehatan Bank dengan Metode RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) pada PT. Bank Panin Dubai Syariah Tbk., Periode 2019-2023

Abstract

This study aims to assess the financial health of PT. Bank Panin Dubai Syariah Tbk using the RGEC method. The object of this research is PT. Bank Panin Dubai Syariah Tbk. The research adopts a descriptive quantitative approach. The population in this study consists of the financial reports of PT. Bank Panin Dubai Syariah Tbk, while the sample includes financial reports from 2019 to 2023. The data used in this study is secondary data.  The evaluation results indicate that, based on the RGEC method, the overall financial health of PT. Bank Panin Dubai Syariah Tbk for the 2019–2023 period received a composite rating of 3, with a composite score of 70.67%, indicating a "FAIRLY HEALTHY" condition. Specifically, the Risk Profile aspect is classified as "fairly healthy" with a final composite score of 70%, Good Corporate Governance (GCG) is rated "healthy" with a score of 80%, the Earning aspect falls under the "less healthy" category with a score of 52%, and the Capitalaspect is categorized as "very healthy" with a final score of 100%.