PENILAIAN KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING PT. BANK KB BUKOPIN TBK

Jurnal Daya Saing Pub Date : 2023-11-27 DOI:10.35446/dayasaing.v9i3.1486

Rita Wiyati, Afred Suci, Reni Farwitawati

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Abstract

Penilaian kesehatan bank PT Bank KB Bukopin Tbk pada tahun 2018 – 2022 ditunjukkan oleh nilai dari aspek Risk Profile (Pengelolaan kredit dan penyaluran dana pihak ketiga) dalam kategori sehat. Penilaian aspek Good Corporate Governance atau tata kelola Perusahaan selama tahun 2018-2022 dalam penilaian peringkat 2 yaitu sehat. Penilaian aspek Earning (kemampuan bank dalam menghasilkan keuntungan selama tahun 2018 -2019 kurang sehat dikarenakan pengelolaan asset dan laba yang dihasilkan sebelum pajak kurang dari 1% dan dalam kategori kurang sehat, sedangkan untuk tahun 2020 -2022 dalam kategori tidak sehat dikarenakan selama 3 tahun tersebut yang dihasilkan bukan keuntungan justru Bank PT. KB Bukopin Tbk selama tiga tahun tersebut mengalami kerugian.Penilaian aspek permodalan (Capital) selama tahun 2018-2022 dalam kategori sangat sehat karena nilai CAR (modal minimum yang dapat melindungi kebutuhan pihak ketiga) nilainya diatas 10%. Kata Kunci: Risk Profile, Earning, Capital ABSTRACT Assesment of Bank Health using the Risk Based Bank Rating Method PT. Bank KB Bukopin Tbk Rita Wiyati1, Afred Suci2, Reni Farwitawati3 Staff123 of Lecturers at the Faculty of Economics, Lancang Kuning University Jl. Yos Sudarso Km 08 Rumbai Telp (0761) 52581 Fax (0761) 52581 Assessment of the health of the bank PT Bank KB Bukopin Tbk in 2018-2022 is shown by the value from the Risk Profile aspect (credit management and distribution of third party funds) in the healthy category. Assessment of aspects of Good Corporate Governance or corporate Governance during 2018-2022 in rating 2, namely healthy. Assessment of the Earning aspect (bank’s ability to generate profits during 2018-2022 is not healthy due to asset management and profit generated before tax is less than 1% and in the unhealthy category, while for 2020-2022 it is in the unhealthy category because during these 3 years what was generated was not profit, instead the Bank PT Bank KB Bukopin Tbk for three years experienced losses. The assessment of the capital aspect (Capital) during 2018-2022 was in the very healthy category because the CAR value (minimum capital that can protect the needs of third parties) is above 10% Keywords: Risk Profile, Earning, Capital

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用基于风险的银行评级法评估银行健康状况 PT. Bank KB BUKOPIN TBK

PT KB Bukopin Tbk 银行在 2018 - 2022 年期间的风险概况（信贷和信贷风险）分类中的所有数据都将被记录在案。2018-2022年良好公司治理和企业社会责任项目（第2项）。收益政策（银行在 2018 - 2019 年期间的收益率为 1%，并按收益率分类、在 2020 - 2022 年的 3 个月内，该类资产的增长率将达到 1%。2018-2022年期间的资本（Penilaian aspek permodalan (Capital) selam kategori sangat sehat karena nilai CAR (modal minimum yang dapat melindungi kebutuhan pihak ketiga) nilainya diatas 10%。 Kata Kunci: Risk Profile, Earning, Capital ABSTRACT Assesment of Bank Health using the Risk Based Bank Rating Method PT.Jl. Yos Sudarso Km 08 Rumbai Telp (0761) 52581 Fax (0761) 52581 2018-2022 年 PT Bank KB Bukopin Tbk 银行的健康状况评估由风险概况方面（信贷管理和第三方资金分配）的健康类别值显示。2018-2022 年期间良好公司治理或公司治理方面的评估为 2 级，即健康。盈利方面的评估（2018-2022 年期间银行创造利润的能力不健康，原因是资产管理和税前利润低于 1%，属于不健康类别，而 2020-2022 年属于不健康类别，因为在这 3 年期间创造的不是利润，相反，PT Bank KB Bukopin Tbk 银行在这 3 年经历了亏损。2018-2022 年期间，资本方面（Capital）的评估结果为非常健康，因为 CAR 值（可保护第三方需求的最低资本）高于 10%：风险概况、盈利、资本

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Jurnal Daya Saing

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