ABSTRACT
The purpose of the study was to determine the health level of PT. Bank CIMB Niaga
Tbk and PT. Bank BCA Tbk using the Risk Profile, Earnigns, and Capital (REC)
methods for the 2014-2018 period. Bank health is calculated using NPL (Non
Performing Loan) analysis, LDR (Loan to Deposit Ratio), ROA (Return On Assets),
ROE (Return On Equity), NIM (Net Interest Margin), CAR (Capital Adequency
Ratio). Based on the analysis of bank health shows the ratio that the average NPL
ratio of PT. Bank CIMB Niaga (Persero) Tbk by 3,67%, PT. Bank BCA (Persero)
Tbk of 1,10%. The average LDR ratio of PT. Bank CIMB Niaga (Persero) Tbk
amounting to 97,84%, PT. Bank BCA (Persero) Tbk amounting to 78,96%. The
average ROA ratio of PT. CIMB Niaga (Persero) Tbk by 1,28%, PT. Bank BCA
(Persero) Tbk of 3,92%. The average ROE ratio of PT. Bank CIMB Niaga (Persero)
Tbk by 6,77%, PT. Bank BCA (Persero) Tbk of 21,18%. The average NIM ratio of
PT. Bank CIMB Niaga (Persero) Tbk As much as 5,38%, PT. Bank BCA (Persero)
Tbk of 6,46%. The average CAR ratio of PT. Bank CIMB Niaga (Persero) Tbk by
17,60%, PT. Bank BCA (Persero) Tbk of 20,80%. from the average health of the
bank for eleven consecutive years at PT Bank CIMB Niaga (Persero) Tbk received
the title of Very Healthy with an average of 80,00% and PT. Bank BCA (Persero)
Tbk received a healthy rating with an average of 96,66%.
Keywords: Bank Health; Risk Profile; Earning; Capital

ABSTRAK
Tujuan dari penelitian ialah untuk mengetahui tingkat kesehatan PT. Bank CIMB
Niaga Tbk dan PT. Bank BCA Tbk dengan menggunakan metode Risk Profile,
Earnigns, dan Capital (REC) periode 2014-2018. Kesehatan bank dihitung
menggunakan analisis rasio NPL (Non Performing Loan), LDR (Loan to Deposit
Ratio), ROA (Return On Assets), ROE (Return On Equity), NIM (Net Interest
Margin), CAR (Capital Adequency Ratio). Berdasarkan analisis kesehatan bank
menunjukkan bahwa rata-rata rasio NPL PT. Bank CIMB Niaga (Persero) Tbk
sebesar 3,67%, PT. Bank BCA (Persero) Tbk sebesar 1,10%. Rata-rata rasio LDR
PT. CIMB Niaga (Persero) Tbk sebesar 97,84%, PT. Bank BCA (Persero) Tbk
sebesar 78,96%. Rata-rata rasio ROA PT. Bank CIMB Niaga (Persero) Tbk sebesar
1,28%, PT. Bank BCA (Persero) Tbk sebesar 3,92%. Rata-rata rasio ROE PT. Bank
CIMB Niaga (Persero) Tbk sebesar 6,77%, PT. Bank BCA (Persero) Tbk sebesar
21,18%. Rata-rata rasio NIM PT. Bank CIMB Niaga (Persero) Tbk Sebesar 5,38%,
PT. Bank BCA (Persero) Tbk sebesar 6,46%. Rata-rata rasio CAR PT. CIMB
Niaga (Persero) Tbk sebesar 17,60%, PT. Bank BCA (Persero) Tbk sebesar
20,80%. dari rata-rata kesehatan bank selama lima tahun berturut-turut pada PT.
Bank CIMB Niaga (Persero) Tbk mendapat predikat Sehat dengan rata-rata 80,00?n PT. Bank BCA (Persero) Tbk mendapat predikat Sangat Sehat dengan rata-rata
96,66%.
Kata Kunci : Kesehatan Bank, Risiko, Rentabilitas, Permodalan