<![CDATA[This study aims to compare the health levels of PT. Bank CIMB Niaga, Tbk. and PT. Bank OCBC NISP, Tbk. using the RGEC methods (Risk Profile, Good Corporate Governance, Earnings, and Capital) during 2021-2025 period. The research addresses two question the heakth level of each bank and which bank demonstrates better overall performance based on the RGEC indicators. This study employs a descriptive comparative approach using secondary data obtained from the annual reports and GCG report from Bursa Efek Indonesia (BEI). The analysis was conducted by calculating and comparing the indicators of each RGEC aspect, including Non-performing Loan (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governanc (GCG), Return to Asset (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Operating Expenses to Operating Income (BOPO, dan Capital Adequacy Ratio (CAR). The findings indicate that both bank maintaned a healthy condition throughout the study period. Bank CIMB demonstrated stronger performance in terms of profitability, while Bank OCBC outperformed in risk management, corporate governance, and capital adequacy.]]>
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