COMPARATIVE ANALYSIS OF THE HEALTH LEVEL OF STATE-OWNED (BUMN) BANKS POST-COVID-19 PANDEMIC

The Covid-19 pandemic has had a significant impact on all industries, including the banking industry. To prevent debtor defaults during the Covid-19 pandemic, the government issued credit restructuring policies. The type of research in this study is descriptive comparative, using a quantitative approach and comparing four research subjects. The data used in this study are secondary data obtained from the websites of Bank BNI, Mandiri, BRI, and BTN from 2022-2023. The RGEC method (Risk profile, Good Corporate Governance, Earnings, and Capitals) is used to analyze the financial statements in this study. Mandiri, BNI, and BTN experienced a decrease in NPL from 2022 to 2023, while BRI experienced an increase. The LDR of the four banks increased from 2022 to 2023. The GCG of the four banks is in the "Healthy" and "Very Healthy" positions. The ROA of the four banks has increased, and the ROE has increased except for BTN. The BOPO of Mandiri, BRI, and BNI is very healthy, while BTN is moderately healthy. The capital of the four banks has increased.Bank Mandiri and BRI are in composite rank 1 "Very Healthy". BNI experienced a rank drop in 2023 to "Healthy". BTN is in composite rank 2 "Fairly Healthy". Overall, the health level of the four BUMN banks post-Covid-19 pandemic has reached the "Healthy" status.