Analysis Of Health Level At Bank Muamalat Indonesia TBK Using RBBR (Risk Based Bank Rating) Method

Introduction/Main Objectives: The level of bank health is important because it reflects the condition and performance of the bank, has an impact on various related parties, and is a means of determining strategies and the focus of supervision of the bank. Background Problems: This study aims to analyze the health level of Islamic banks at Bank Muamalat Indonesia in 2018-2023 using the RBBR (Risk-based Bank Rating) method by PBI number 13/1/PBI/2011 article 2 concerning the assessment of the health level of Islamic general banks and Islamic business units. Novelty: The results of the study on the level of bank health are very important for the formation of customer trust and loyalty towards the bank, thus helping bank management to develop good business strategies. Research Methods: This study uses a quantitative approach method. The data used are secondary data from the financial statements of the balance sheet and profit/loss at Bank Muamalat in 2018-2023. The data uses documentation. Data analysis is by the RBBR (Risk-based Bank Rating) method. Finding/Results: The overall research results in the Composite 3 (PK-3) rating for Bank Muamalat Indonesia, Tbk, which indicate a "HEALTHY ENOUGH" bank condition. This reflects that the bank is able to maintain and preserve public trust, and can carry out its functions. Conclusion: The health level of a bank is crucial to maintain the trust of the public, customers, and stakeholders, as well as being a factor in attracting new customers. As the first Islamic General Bank in Indonesia, PT. Bank Muamalat Indonesia, Tbk needs to improve its performance while adhering to the principle of prudence, continuously monitoring financial risks that can affect the company's management and governance by implementing an Islamic financial system.