Analysis Performance Bank of Government Bank at PT Bank Tabungan Negara (Persero) Tbk Period of 2015 - 2018

Abstract

This study aims are analysis of performance Bank at PT Bank Tabungan Negara (Persero) Tbk by implementing the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) method 2015 until 2018 banks through a composite analysis. The purpose of this study is to analyze the performance Bank at PT Bank Tabungan Negara (Persero) Tbk by implementing the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) method 2015 until 2018. The method used in this study is RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). The result are the performance ratio of Based on result and discussion so the conclusion is performance bank of PT Bank Negara Indonesia (Persero) the value of determination or composite since 2015 until 2018 is healthy, and performance bank used RGEC method as follows: 1) Risk Profile are a). Non Performing Loan (NPL) is in 2015 is healthy, NPL in 2016 is very healthy,NPL in 2017 is very healthy, NPL in 2018 is very healthy. b) Loan to Deposit Ratio (LDR) is in 2015 unwell, LDR in 2016 is unwell, LDR in 2017 is unwell, LDR in 2018 is unwell. 2) Good Corporate Governance (GCG) is performance GCG in 2015 is healthy, GCG in 2016 is healthy, GCG in 2017 is healthy, GCG in 2018 is healthy. 3) Earning are a) Return on Assets (ROA) is RAO in 2015 is very healthy,ROA in 2016 is very healthy, ROA in 2017 is very healthy, ROA in 2018 is healthy. b) Net Interest Margin (NIM) is NIM in 2015 is very healthy, NIM in 2016 is very healthy, NIM in 2017 is very healthy, in 2018 is very healthy. 4) Capital for Capital Adequacy Ratio (CAR) is in 2015 is very healthy, CAR in 2016 is very healthy CAR in 2017 is very healthy, CAR in 2018 is very healthy.