Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) pada PT. Bank Mega Syariah Periode Tahun 2017-2021

MAMEN: Jurnal Manajemen Pub Date : 2022-07-30 DOI:10.55123/mamen.v1i3.705

R. Dani, I. Wiarta

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引用次数: 4

Abstract

This study analyzes the health level of banks using the Risk-Based Bank Rating (RBBR) method. The secondary data used in this study was taken from the Financial Statements of PT Bank Mega Syariah on the official website of PT Bank Mega Syariah for the period 2017-2021. The Risk-Based Bank Rating (RBBR) method based on BI Circular No. 13/24/DPNP uses Risk Profile, Earning and Capital assessments. The method used in this research is descriptive research method with a quantitative approach. The results show that the Risk Profile component calculated using the NPF ratio in 2017 was 2.75 percent, in 2018 it was 1.96 percent, in 2019 it was 1.49 percent, in 2020 it was 1.38 percent and in 2021. by 0.97 percent. In addition, the FDR ratio in 2017 was 91.05 percent, in 2018 it was 90.88 percent, in 2019 it was 94.53 percent, in 2020 it was 63.94 percent, and in 2021 it was 62.84 percent. In the Earning component calculated using the ROA ratio in 2017 it was 1.56 percent, in 2018 it was 0.93 percent, in 2019 it was 0.89 percent, in 2020 it was 1.74 percent and in 2021 it was 4.08 percent. In addition, the NIM ratio in 2017 was 6.03 percent, in 2018 it was 5.52 percent, in 2019 it was 5.36 percent, in 2020 it was 4.97 percent and in 2021 it was 4.35 percent. For the capital component calculated using the CAR ratio in 2017 it was 22.19 percent, in 2018 it was 20.54 percent, in 2019 it was 19.96 percent, in 2020 it was 24.15 percent and in 2021 it was 25.59 percent. From the results of the study, it is known that the ratio of ROA shows poor results.

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2011 -2021年至2012 -2021年期间，PT.特大伊斯兰银行使用risk - babbr方法对银行的健康水平进行分析

本研究采用基于风险的银行评级(RBBR)方法分析银行的健康水平。本研究使用的辅助数据来自PT Bank Mega Syariah官网2017-2021年期间的财务报表。基于风险的银行评级(RBBR)方法基于BI通告第13/24/DPNP号，使用风险概况，收益和资本评估。本研究采用的方法是描述性研究方法与定量研究方法相结合。结果表明，使用NPF比率计算的风险概况成分在2017年为2.75%，2018年为1.96%，2019年为1.49%，2020年为1.38%，2021年为1.38%。增长了0.97%。此外，2017年为91.05%，2018年为90.88%，2019年为94.53%，2020年为63.94%，2021年为62.84%。在使用ROA比率计算的收益部分中，2017年为1.56%，2018年为0.93%，2019年为0.89%，2020年为1.74%，2021年为4.08%。此外，2017年的NIM比率为6.03%，2018年为5.52%，2019年为5.36%，2020年为4.97%，2021年为4.35%。使用CAR比率计算的资本部分，2017年为22.19%，2018年为20.54%，2019年为19.96%，2020年为24.15%，2021年为25.59%。从研究结果可知，ROA的比值显示出较差的结果。

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MAMEN: Jurnal Manajemen

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