Analysis of the Assessment of the Health Level of the Bank with the Risk-Based Bank Rating Method and the Impact for Improving Financial Performance in PT Bank “XYZ”

Abstract

This research is a descriptive research with secondary data processing. The purpose of thisstudy was to determine the level of the financial report soundness of PT Bank “XYZ” using Risk-Based Method Bank Rating Year 2017-2019 and to determine the impact for the improvement of the performance of financial companies. The data used in this research is secondary data such as financial statement data of PT Bank “XYZ” period 2017-2019. The results of this study prove that from the aspect of Risk Profile shows the bank NPL is under 2% although always experienced an increase over the three years past, and is at a very healthy predicate. Meanwhile, LDR shows a fairly healthy predicate. Aspects GCG in year 2017-2019 showed a healthy predicate. The Earning aspect which includes CAR and NIM shows a very healthy predicate during 2017-2019. The Capital aspect shows that it is very healthy with a CAR value above 12%. And assessments of the level of health of statements financial at PT Bank “XYZ” Using Method Risk-Based Bank Rating Year 2017 to 2019 included in the category of a very healthy bank. Then by assessing the soundness of a very healthy bank, it has an impact on improving the financial performance of PT Bank “XYZ”. Among them was being able to increase the price of the stock company on the Stock Exchange and can increase the confidence of stakeholders in the performance of financial banking.