Risk-Based Bank Rating approach (RBBR) is used to determine the health of banks in Indonesia, both for national banks, joint venture banks and foreign banks. This approach uses five (5) proxies ie Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net Interesr Margin (NIM), and the Capital Adequacy Ratio (CAR). From the research conducted, the result that the overall of 5 (five) variables studied show that national banks are healthier than the other two types of banks, namely venture banks and foreign banks, because the national bank has a value beyond the provisions of Bank Indonesia. Partial variable LDR has consistently been shown to vary significantly between national banks, joint venture banks and foreign banks. LDR joint venture banks and foreign bank is higher than the national bank. These conditions indicate the bargaining position of joint venture banks and foreign banks in serving the needs of public borrowing is much higher than the national bank, which resulted in increasing the ability of both types of banks in generating profit. Simultaneously throughout the study variables was significantly different among the national banks, joint venture banks and foreign banks..

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印度尼西亚国家银行，合资银行和外国银行的比较健康分析

基于风险的银行评级方法（RBBR）用于确定印尼国家银行，合资银行和外资银行的银行状况。这种方法使用了五（5）个代理，即不良贷款（NPL），贷存比（LDR），资产收益率（ROA），净内部保证金（NIM）和资本充足率（CAR）。根据进行的研究，总共研究了五个（五个）变量，结果表明，国家银行比其他两种类型的银行（风险银行和外资银行）更健康，因为国家银行的价值超出了银行的规定印度尼西亚。长期以来，局部变量LDR一直被证明在国家银行，合资银行和外资银行之间存在很大差异。LDR合资银行和外资银行均高于国民银行。这些条件表明，合资银行和外资银行在满足公共借贷需求方面的议价地位远远高于国民银行，这导致两种类型的银行产生利润的能力均得到提高。同时，在整个研究中，国家银行，合资银行和外资银行之间的变量存在显着差异。