Analysis of Bank Soundness Using the RGEC Method in State-Owned Banks for the 2020–2024 Period
Keywords:
State-Owned Banks, Bank Health, RGEC Method (Risk Profile, Good Corporate Governance, Earnings, Capital)Abstract
This study descriptively compares the financial soundness indicators of Bank Mandiri, Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), and Bank Tabungan Negara (BTN) during 2020–2024 using selected indicators associated with the RGEC framework: NPL, LDR, GCG, ROA, ROE, and CAR. The results show that the yearly average NPL remained below 5%, while average LDR increased in 2023–2024 after declining in 2021–2022. The disclosed GCG ratings were stable in the reported data; average ROA improved between 2020 and 2023 before declining slightly in 2024, while average ROE rose through 2023 and declined in 2024. The reported average CAR remained above 19% throughout the period. These are descriptive findings based on the values compiled by the authors. The previously reported overall composite percentages are not retained because the manuscript did not provide a reproducible indicator-level scoring trial or a verified regulatory basis for those author-created classifications.
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