THE INFLUENCE OF PROMOTION EXPENSES, SAVINGS, AND FINANCIAL RATIOS TO DIBURSED LOANS ON BANK PEMBANGUNAN DAERAH IN INDONESIA

The health of a bank can be defined as the ability of a bank to conduct banking operational normally and be able to satisfy all its obligations well by means of accordance with the applicable banking regulations. The health assessment is very important to a bank because the bank managing public funds entrusted to the bank. Accordance with PBI 13/1/PBI/2011 numbers that have been set on January 5, 2011, and was implemented by the bank in July 2011, CAMELS method is no longer used as a method to measure the health of a bank. CAMELS method was replaced by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) to measure and assess the health of a bank. This research conducted on the four Government Banks (Bank Mandiri, BNI, BTN, and BTN) from the year 2009-2012 with comparative descriptive method. The results of Risk Profile factor that use the analysis tool of NPL to measure Credit Risk showed that Bank Mandiri, BNI, BRI into the category of the healthy bank, while BTN decreased slightly in the rankings in 2012 from a healthy bank into the fairly healthy bank. Meanwhile, the assessment results of liquidity risk that calculated use analysis tool of LDR showed that Bank Mandiri and BNI into the category of the very healthy bank, BRI tend to stable with healthy bank category, but BTN into the category of poorly bank. The result of self-assessment Good Corporate Governance showed that four Government Banks have been successfully implemented Good Corporate Governance very well. The result of Earnings factor that uses the analysis tool of ROA showed that four Government Banks as a healthy bank. The result of the Capital factor that uses the analysis tool of CAR generally showed that four Government Banks into the category of the very healthy bank. Keywords: Health of Bank, Assessment, Government Bank, RGEC, Good Corporate Governance