Analysis of the Health Level o State-Owned Banks in Indonesia (Study on State-Owned Enterprise Bank for the Period 2020-2022)
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Abstract
This study aims to analyze the health levels of state-owned banks in Indonesia during the period of 2020 - 2022 using the risk-based bank rating. The assessment is conducted using risk profile, profitability, and capital to evaluate the bank's health. The results indicate that the risk profile, assessed through the NPL indicator, achieved a healthy rating, and LDR also received a healthy rating. Profitability, evaluated through the ROA indicator, achieved a very healthy rating, and NIM received a healthy rating. Capital, assessed through the CAR indicator, achieved a very healthy rating. The conclusion of this study is that state-owned banks in Indonesia have successfully maintained their health levels, as reflected in their financial ratio assessments. This study suggests that future researchers add more ratios to measure the health levels of state-owned banks to obtain better research outcomes.
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