ANALYSIS OF BANK HEALTH LEVEL USING RGEC METHOD AT PT BANK NEGARA INDONESIA (PERSERO) Tbk

This study aims to determine the health level of PT Bank Negara Indonesia (Persero) Tbk for the 2021-2023 period in terms of Risk profile, Good Corporate Governance (GCG), Earnings, Capital, and RGEC (Risk profile, GCG, Earnings, and Capital) as a whole. This type of research is quantitative using secondary data sources in the form of financial reports of PT Bank Negara Indonesia (Persero) Tbk for the 2021-2023 period. The data analysis technique used is bank health analysis with the Risk (Risk-based Bank Rating) RGEC approach. The results of the study show that during the 2021-2023 period: (1) The Risk Profile Aspect of PT Bank Negara Indonesia (Persero) Tbk for the 2021-2023 period was in a healthy condition with an average NPL value of 4.05%; 3.05%; 2.32% and LDR of 72.98%; 77.45% and 5% percent. The GCG aspect is in a healthy condition with a composite value of 2, (3) The Earnings aspect in the form of ROA and NIM is in the very healthy category with an average ROA value of 1.35%, 2.27% and 2.42%, and NIM of 5.5%; 6.22% and 5.87% with a very healthy category. The Capital aspect is in a very healthy condition with an average CAR value of 19.3%; 19.27% ​​and 21.95%. The RGEC aspect as a whole is in a Composite Ranking of 1, which is very healthy. The results of the study show that during 2021-2023 PT Bank Negara Indonesia (Persero) Tbk obtained a Composite Ranking (PK) of 1 or very healthy