<![CDATA[The objective of this study is to analyze and compare the soundness level of PT Allo Bank Indonesia Tbk during the 2015–2024 period using the CAMEL and RGEC methods, in order to determine which method is more relevant for assessing a digital bank. The method applied is a descriptive quantitative approach with a purposive sampling technique, based on secondary data drawn from the company's annual financial reports over the ten-year observation period. The results show that the CAMEL method produced fluctuating scores ranging from 63.08 to 95.21, with ratings varying from Rank 1 (Sound) to Rank 3 (Less Sound) in certain years, such as 2017 and 2024. Meanwhile, the RGEC method showed more stable results, remaining at Composite Rank 2 (Sound) with scores of 75%–85% during 2015–2020, and improving to Composite Rank 1 (Very Sound) with a score of 95% during 2021–2024. These differing results indicate that RGEC is more appropriate as the primary method due to its more comprehensive scope, covering Risk Profile, Good Corporate Governance, Earnings, and Capital, while CAMEL is better suited as a supplementary or comparative analytical tool]]>
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