ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN PENDEKATAN RGEC PADA PT. BANK OCBC NISP PERIODE 2012-2015

NURROCHMAN, DIMAS SATRIA (2016) ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN PENDEKATAN RGEC PADA PT. BANK OCBC NISP PERIODE 2012-2015. Undergraduate thesis, STIE PERBANAS SURABAYA.

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Abstract

PT Bank OCBC NISP Tbk is one of the major banks in Indonesia. Previous research on Deri (2013) states that the health level of Bank OCBC NISP as a whole has decreased mainly on Capital Adequacy Ratio (CAR) at the time before and after the merger that and a decrease in non-performing loans (NPL). The cause of this decline is a change in the system performance at the time before the merger and after the merger. This research was conducted with the aim of knowing the health of banks using the Bank OCBC NISP RGEC study period is 2012 to 2015. Analysis of the Bank at Bank OCBC NISP in 2012-2015 based on the assessment through Circular Letter No.13 / 24 / DPNP / 2011 includes the category of "Very Good". But there are still some results RGEC ratio at Bank BRI Syariah unstable, it can be seen from the NPL ratio at Bank OCBC NISP decreased. Results from Loan Deposit Ratio (LDR) declined. Values on Return On Assets (ROA) decreased. The results of the CAR (Capital Adequacy Ratio) decreases. This decline although not significant and not too high but the bank needs to increase operational efficiency of banks so that in the next period the bank may increase the level of health for much better. Management of Operational Risk, Strategic Risk and Reputation Risk as a whole was appropriate and soundness of the bank has a ratio calculation predicate "very good" to make an assessment according to Regulation of Bank Indonesia Circular Letter No.13 / 24 / DPNP / 2011. Keywords : Bank Health, Non Performing Loans, Loan Deposit Ratio, Return On Assets, Capital Adequacy Ratio

Item Type: Thesis (Undergraduate)
Subjects: 600 - TECHNOLOGY > 657 - ACCOUNTING > 657.9 - ACCOUNTING-BANK
Divisions: Bachelor of Accountancy
Depositing User: Perpustakaan STIE Perbanas Surabaya
Date Deposited: 04 Jul 2017 05:55
Last Modified: 04 Jul 2017 05:55
URI: http://eprints.perbanas.ac.id/id/eprint/1794

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