ANALYSIS OF FINANCIAL PERFORMANCE BY MEASURING THE LEVEL OF BANK HEALTH: A CASE STUDY OF PT. BRI (PERSERO) TBK USES THE RGEC (Risk Profile, Good Governance, Earnings, and Capital) Method 2019-2023

Happyta Agustin; Dheri Febiyani Lestari; Heidi Siddiqa; Liper Siregar

Authors

Happyta Agustin Management, STIE Arlindo
Dheri Febiyani Lestari Management, Faculty of Economic and Business, Cipasung University
Heidi Siddiqa Management, Faculty of Economic and Business, Cipasung University
Liper Siregar Management, Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Keywords:

Bank Health, Financial performance, RGEC, PT. Bank Rakyat Indonesia (Persero) Tbk

Abstract

This research is carried out to analyze the performance for leisure and to measure the rate of bank healthiness.

Purpose: This study aims to evaluate the financial performance and health level of PT. Bank BRI (Persero) Tbk during the 2019-2023 period uses the RGEC (Risk Profile, Good Governance, Earnings, and Capital) method.

Design/methodology/approach: This study uses quantitative methods and secondary data from BRI's annual financial report for the 2019-2023 period. The data was analyzed using SPSS software.

Findings/Results: The results of this study show that Bank BRI has excellent credit quality, conservative credit distribution, and good corporate governance. However, profitability, net interest margin, and profit growth still need to be improved.

Conclusion: Overall, PT. Bank Rakyat Indonesia (Persero) Tbk showed positive and healthy financial performance during the 2019-2023 period.

Originality/value (State of the art): This latest study discusses the health level of PT Bank Rakyat Indonesia (Persero) Tbk using the RGEC method from 2019 to 2023. This includes the pre-COVID-19 pandemic phase in 2019, the pandemic period in 2020, and the post-pandemic recovery phase in 2021–2023.

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