Financial Ratio Analysis of Government-Owned Banks (GOBs) : A Risk-Based Bank Rating (RBBR) Approach

Mushlihatud, Dina (2016) Financial Ratio Analysis of Government-Owned Banks (GOBs) : A Risk-Based Bank Rating (RBBR) Approach. Diploma thesis, Universitas Andalas.

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Abstract

The purpose of this research is to analyze the financial ratio of Government-Owned Banks (GOBs) which are PT. Bank Rakyat Indonesia (BRI), PT. Bank Negara Indonesia (BNI), PT. Bank Mandiri, and PT. Bank Tabungan Negara (BTN) over period 2010-2015 by using Risk-Based Bank Rating (RBBR) approach. This research used case study design and secondary data. Data collection method used are documentary study and literature review. Analysis method has undertake by an evaluation of factors in RBBR which are Risk Profile, Earnings, and Capital. The results shows that : (1) GOBs are banks that able to cover risk and still far from the maximum standard set by bank in terms of credit risk, market risk, and liquidity risk, (2) BRI is bank that has greatest return on asset (ROA) and net interest margin (NIM) among others, (3) GOBs have core capital above the Basel III provisions in the amount of 6%, means that banks can absorb the risk from within and outside the country.

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