Analisis Metode RGEC untuk Menilai Kesehatan Bank Artha Graha Priode 2019 – 2022

Dinatonia Jovery Matruty; Anna Valensia Christianty de Fretes; Maryo Natan Seipatiseun

doi:10.31004/riggs.v4i2.529

Authors

Dinatonia Jovery Matruty Universitas Pattimura
Anna Valensia Christianty de Fretes Universitas Pattimura
Maryo Natan Seipatiseun Universitas Pattimura

DOI:

https://doi.org/10.31004/riggs.v4i2.529

Keywords:

RGEC, Kesehatan Bank, Bank Artha Graha, Risk Profile, Earnings

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat kesehatan PT Bank Artha Graha Internasional, Tbk periode 2019–2022 menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital). Penilaian dilakukan berdasarkan rasio keuangan dan self-assessment yang relevan dengan standar OJK. Hasil penelitian menunjukkan bahwa aspek Risk Profile dan Capital berada dalam kategori sehat hingga sangat sehat. Namun, aspek Earnings—terutama ROA dan BOPO—mengalami penurunan signifikan dan dikategorikan kurang sehat hingga tidak sehat akibat dampak pandemi COVID-19. Aspek Good Corporate Governance berada pada peringkat baik selama tiga tahun berturut-turut. Temuan ini mengindikasikan perlunya peningkatan efisiensi operasional dan pengelolaan aset agar bank dapat meningkatkan profitabilitas dan memperbaiki tingkat kesehatannya secara keseluruhan.

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