ANALISIS RGEC DALAM MENILAI TINGKAT KESEHATAN BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA

Abstract

In the banking sector, it is necessary to encourage new regulations. Products and services
innovations, as well as banking activite this was not matching by the application of
adequate risk management can cause very basic problems for banks so that banks need
to increasing the effectivenes of the implementations of risk managements and goods
corporate governances, which aims to enable banks to identified problems early and take
action. further appropriate and faster repairs so that banks are more resilients in the faces
of crises. Banking is the main pillar in building the economic and financial system in
Indonesia. This happens because banks have a role as an intermediary institution, which
means that banks are institutions that channel funds back from parties whose having
excess funds to those who need funds, thus making banks a supporting unit in investment
and business capital for productive activities. This study aims to find out how the
soundness of commercial banks listed on the Indonesia Stock Exchange in 2017–2019 is
seen from the whole by considering aspects of Risk Profile, Good Corporate Governance,
Earning and Capital with 17 samples of commercial banks included in the criteria of this
study. The results of this study indicate that in terms of NPL, GCG, ROA, and CAR, the
soundness of commercial banks listed on the Indonesia Stock Exchange is healthy.