ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RISK PROFILE, GOVERNANCE, EARNINGS, CAPITAL (RGEC) PADA BPR TRIKARYA WARANUGRAHA MALANG

This study aims to analyze the level of bank health at the People's Economic Bank (BPR) Trikarya Waranugraha Malang. The assessment method used is the RGEC method which includes aspects of risk profile, corporate governance, profitability, and capital. The data analysis method is descriptive quantitative using secondary data type and time series database. The data studied is the bank's financial statements for the 2019-2023 period. Health level assessment refers to the Financial Services Authority Regulation SE Number 11 of 2022. The results showed that the health level of BPR Trikarya Waranugraha Malang showed positive results which were in the healthy category (PK-2) except in 2022 with PK-3 (Fair). While the health level of the healthiest bank is in the year 2023 with a healthy predicate (PK-2) with a composite value of 2.05.