Risk Based Bank Rating (RBBR) Analysis to Measure The Health of Conventional Banks in Indonesia
Abstract
In Indonesia’s economy, the banking industry plays a critical role.. If the banking industry experiences a crisis, it is likely that other industries will also experience a crisis. To avoid this, the government implements policies to monitor banking performance, including by issuing regulations that serve as guidelines for banking management. The purpose of this study is to determine the current situation of the banking business in Indonesia. The purpose of this research is to determine the situation of Indonesia's banking industry, primarily traditional commercial banks, through a health analysis using the Risk Based Bank Rating (RBBR) method. The objects in this study amounted to 17 banks which were taken using purposive sampling technique. The analysis’ findings indicate that the credit risk profile is in a healthy predicate, a very healthy predicate for the liquidity risk profile, good predicate for implementing Good Corporate Governance, and very healthy predicate for income and capital factors. From these results, it can be concluded that the average industrial level in the conventional banking sector obtained a PK value of 1.57 or PK 2 with the title Healthy.
Keywords: Bank Health Analysis, Risk Based Bank Rating
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