Analisis Risk Profile, Good Corporate Governance, Earnings, Capital terhadap Potensi Financial Distress

(Studi pada PT Bank Rakyat Indonesia Tbk Periode 2019-2023)

Abstract

Banks are financial institutions that are subject to strict regulations, have the responsibility to comply with regulations and standards set by the Financial Services Authority (OJK) on a regular basis to maintain business continuity and maintain public and stakeholder trust. In this case, RGEC analysis (RiskProfile, Good Corporate Governance, Earnings, Capital) becomes an important method to assess the bank's level of compliance with the OJK to assess a bank's level of compliance with applicable regulations and to monitor its financial stability and soundness. Using RGEC, this study aims to thoroughly review the financial statements of PT Bank Rakyat Indonesia. Includes an assessment of the bank's health level and potential financial distress from 2019 to 2023. By using a descriptive quantitative approach based on the analysis of published official financial statements. The results of the comprehensive assessment for the last 5 years show that PT Bank Rakyat Indonesia Tbk has maintained a very stable financial position with a Composite Rating of 1 (PK-1) which gets the category “Very Healthy” and does not show weakness or potential financial distress.