Comparative Analysis of the Health Level of State-owned Banks and Private Banks Using the RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) Method in 2019-2023
DOI:
https://doi.org/10.30651/iconemba.v2i1.30150Keywords:
Bank Health, NPL, GCG, RODAbstract
This study compares the health levels of state-owned and private banks in Indonesia from 2019 to 2023 using a quantitative descriptive approach based on the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). The indicators analyzed include Non-Performing Loan (NPL), Good Corporate Governance (GCG), Return on Assets (ROA), and Capital Adequacy Ratio (CAR). Data were collected from the financial reports of four state-owned banks (Mandiri, BRI, BNI, BTN) and four private banks (BCA, CIMB Niaga, Danamon, Permata) listed on the Indonesia Stock Exchange. Descriptive statistics and Independent Samples T-Test were used for analysis. Results show a significant difference in NPL (Sig. < 0.05), with private banks having lower NPLs, indicating better credit quality. However, GCG, ROA, and CAR show no significant differences (Sig. > 0.05), meaning both types of banks have similar performance in governance, profitability, and capital adequacy.
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