基于RGEC方法的银行健康水平差异分析(以外汇国家民营商业银行为例)

A. Iradianty, Nabila Okta Mahira
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引用次数: 0

摘要

本研究旨在从风险概况、良好公司治理(GCG)、收益和资本(RGEC)等方面确定外汇银行在Covid-19大流行之前和期间的健康水平比较。在本研究中,从信用风险中看到的风险概况因子的评估是用不良贷款率来衡量的,流动性风险是用LDR比率来衡量的,良好公司治理(GCG)因子是用银行的自我评估来衡量的,盈利因子是用ROA和NIM比率来衡量的,资本因子是用CAR比率来衡量的。调查结果显示,新冠疫情前和疫情期间,外汇民间商业银行的健康水平均处于“非常健康”水平。LDR、ROA、NIM和CAR比率在新冠肺炎大流行之前和期间的差异表明了这一点,NPL和GCG比率在新冠肺炎大流行之前和期间没有差异。关键词:银行健康水平;风险预测;良好的公司管治;收益;资本
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Analysis of Differences in Bank Health Levels Using the RGEC Method (Case Study on Foreign Exchange National Private Commercial Bank)
This study aims to determine comparation of the health level of Foreign Exchange Banks before and during the Covid-19 Pandemic from the aspect of Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital (RGEC). In this study, the assessment of the Risk Profile factor seen from credit risk is measured by the NPL ratio and liquidity risk is measured by the LDR ratio, the Good Corporate Governance (GCG) factor is measured by the bank's self-assessment, the Earnings factor is measured by the ROA and NIM ratios, and the Capital factor measured by the CAR ratio.The results of the study concluded that the health level of the Foreign Exchange National Private Commercial Bank before and during the Covid-19 pandemic was in the Very Healthy criteria. This is shown by the differences in the LDR, ROA, NIM and CAR ratios before and during the Covid-19 pandemic and there are no differences in the NPL and GCG ratios before and during the Covid-19 pandemic. Keywords: bank health level; risk profile; good corporate governance; Earnings; capital
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