Muhammad Royyan Arrosyid, . (2024) ANALISIS TINGKAT KESEHATAN BANK BERDASARKAN METODE RISK BASED BANK RATING (STUDI PADA KELOMPOK BANK MODAL INTI III PERIODE 2023). Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This Final Project Report analyzes the health level of KBMI III banks listed on the IDX for the period 2023 using the Risk-Based Bank Rating (RBBR) approach, including Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital. Based on secondary data processed with Excel, the analysis results show that KBMI III banks are able to manage credit risk well, with an average Gross NPL of 2.28% and an average Net NPL of 0.81%, both in the "Healthy" and "Very Healthy" categories. However, the average LDR of 107.65% is in the "Less Healthy" category, indicating potential liquidity risk that needs to be watched out for. The GCG composite assessment averaged 1.92 or "Good", indicating success in implementing good governance. Earnings analysis shows profitability performance with an average ROA of 1.75% (category "Very Healthy"), an average ROE of 10.97% (category "Fairly Healthy"), an average NIM of 4.51% (category "Very Healthy"), and an average BOPO of 77.25% (category "Very Healthy"). Capital analysis shows an average CAR of 26.89% in the "Very Healthy" category. Overall, KBMI III banks for the period 2023 are in good health, although there are some areas that require further attention to maintain stability and sustainable growth.
Item Type: | Thesis (Tugas Akhir) |
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Additional Information: | [No. Panggil: 2110101062] [Pembimbing: Siti Hidayati] [Penguji 1: Yoko Tristiarto] [Penguji 2: Ranila Suciati] |
Uncontrolled Keywords: | Bank soundness, Risk Based Bank Rating, Tier III Capital Bank Group. |
Subjects: | H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
Depositing User: | MUHAMMAD ROYYAN ARROSYID |
Date Deposited: | 24 Sep 2024 05:42 |
Last Modified: | 24 Sep 2024 05:42 |
URI: | http://repository.upnvj.ac.id/id/eprint/31258 |
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