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All Journal Scientific Journal of Reflection : Economic, Accounting, Management and Business EDUKA : Jurnal Pendidikan, Hukum, Dan Bisnis JURNAL ILMIAH FEASIBLE (JIF) Jurnal Arastirma Indonesian Financial Review Formosa Journal of Science and Technology (FJST) Asian Journal of Management Analytics Cakrawala: Jurnal Ekonomi, Manajemen dan Bisnis Amanah Mengabdi
DEWI, IRIANA KUSUMA
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Journal : Asian Journal of Management Analytics

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Health Assessment of BUMN Banks in Indonesia Using RGEC (Risk Profile, Good Corporate Governance, Earnings, And Capital) Period 2014-2024 Dewi, Iriana Kusuma
Asian Journal of Management Analytics Vol. 4 No. 3 (2025): July 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v4i3.14890

Abstract

This study evaluates the financial health of five Indonesian state-owned banks—Mandiri, BRI, BNI, BTN, and BSI—implementing the RGEC model (Risk Profile, Good Corporate Governance, Earnings, and Capital) during 2020–2024. A descriptive quantitative approach was used with data from published financial reports. Findings show that all banks maintained a healthy status. NPL ratios were below 5%, and LDR values ranged from 85%–100%, indicating sound risk and liquidity management. GCG ratings were consistently at PK-2, reflecting good governance. Profitability was generally strong, with ROA, ROE, and NIM meeting ideal standards, though BTN showed less efficiency (high BOPO). All banks had CAR values well above regulatory minimums, signaling strong capital positions.
Co-Authors Achmad Agus Yasin Fadli, Achmad Agus Yasin Agus Suhartono Al-Choir, Fikron Hasanah, Yenny Merinatul Intan sari Budhiarjo Karmiyati, Sari Mardiana, Sri Rismanty, Vidya Amalia Rusnaeni, Nani Salsabila, Diyantri Solihin, Dede Sunarto, Ading