ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK BUMN DAN BANK SWASTA DENGAN MENGGUNAKAN PENDEKATAN RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, DAN CAPITAL) (Studi pada PT Bank Rakyat Indonesia (Persero) Tbk. Dan PT Bank Central Asia Tbk Periode 2012-2016)

Bank Indonesia published the Rule of Bank Indonesia No.13/1/PBI/2011 about the exchange of Bank Health Level Assessment to be RGEC which orientates to the risk and implementation of good corporate governance, remunerative, and adequate capital. This research was conducted to know the finance performance of BRI and BCA by using RGEC method (RiskProfile, Good Corporate Governance, Earnings, Capital). This study used descriptive research with quantitative approach. Data analysis used was counting the risk profile which consists of credit risk and risk liquidity, Good Corporate Governance, Earnings use Return on Assets ratio, and capital ratio. The results of this research showed the performance stage of PT. BRI, Tbk and PT. BCA Tbk in the 2012-2016 periods which are entirely healthy. If they are seen more detail, there are some differences that NPL of BRI is in the 1nd rank, while BCA is in the 1st rank, LDR of BRI is in the 2rd rank while BCA is in 2nd rank, and GCG of BRI is in the 1nd rank while BCA is in the 1st rank