Analisis Tingkat Kesehatan PT Bank NTB Syariah Periode 2020 - 2024 dengan Metode RGEC, Analisis Efisiensi Metode DEA (Data Envelopment Analysis) Analisis Stabilitas Metode Z-Score dan Kebangkrutan Bank

Nasywa Qurratu Aini; Umyati Umyati; Winny Nandalikha; Rini Nur Oktavia

doi:10.30640/ekonomika45.v13i2.6820

Authors

Nasywa Qurratu Aini UIN Syarif Hidayatullah
Umyati Umyati UIN Syarif Hidayatullah
Winny Nandalikha UIN Syarif Hidayatullah
Rini Nur Oktavia UIN Syarif Hidayatullah

DOI:

https://doi.org/10.30640/ekonomika45.v13i2.6820

Keywords:

Bank Financial Health, Bankruptcy Risk, Data Envelopment Analysis, Financial Stability, Islamic Banking.

Abstract

This study aims to evaluate the financial health, operational efficiency, stability, and bankruptcy potential of PT Bank NTB Syariah over the period 2020–2024. The research employs multiple analytical methods to provide a comprehensive assessment. The RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) approach is used to evaluate the overall bank health, while Data Envelopment Analysis (DEA) measures operational efficiency. Financial stability is assessed using the Z-Score method, and the Modified Altman Z-Score predicts potential bankruptcy risk. The RGEC framework follows the Risk-Based Bank Rating system established by Bank Indonesia (2011), utilizing secondary data from the bank’s annual financial statements and analyzed using descriptive quantitative techniques. Findings indicate that Bank NTB Syariah is generally classified as healthy to very healthy, evidenced by low and stable Non-Performing Financing (NPF) ratios, Financing to Deposit Ratio (FDR) within the ideal range, strong profitability as indicated by Return on Assets (ROA) and Return on Equity (ROE), and solid capital adequacy measured by the Capital Adequacy Ratio (CAR). Although Good Corporate Governance (GCG) experienced a slight decline in 2023–2024, it has not significantly affected overall performance. DEA results show progressive improvement in operational efficiency, achieving full efficiency in 2023–2024. Z-Score analysis confirms strong financial stability, while the Modified Altman Z-Score places the bank in the Grey Zone, indicating potential financial risk. Overall, the bank demonstrates healthy, efficient, and stable performance, emphasizing the importance of governance and sustained profitability for long-term resilience.

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