Social Science and Human Research Bulletin

This study analyzes the comparison of the health level of state banks in Indonesia before and after the COVID-19 pandemic using the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) method during the 2017-2023 period. The data used comes from the financial statements of banks listed on the Indonesia Stock Exchange (IDX). The results showed that the pandemic had a significant impact on bank performance, especially on the Earning aspect which experienced a drastic decline. Meanwhile, the Risk Profile aspect recorded a change in risk management, which is a major concern for bank management. Good Corporate Governance and Capital showed positive stability during the period, indicating that the bank continued to implement good governance principles. This study emphasizes the importance of periodic evaluation of bank soundness to understand the impact of the crisis and support better risk mitigation strategies. The findings are expected to serve as a reference for stakeholders in making the right decisions to maintain the health and performance of banks in the future, especially in facing new challenges post-pandemic.

Bank Health, Government Banks, COVID-19 Pandemic, RGEC Method, BEI

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