Mengukur kinerja keuangan perbankan milik negara Indonesia di tengah perlambatan ekonomi
Measuring the financial performance of Indonesian state-owned banks amid economic slowdown
DOI:
https://doi.org/10.58881/kpsbsl.v3i2.177Keywords:
banking efficiency, economic slowdown, financial performance, profitability ratios, state-owned banks, kinerja keuangan, efisiensi perbankanAbstract
This study aims to analyze the financial performance of state-owned banks in Indonesia amid the economic slowdown, as indicated by GDP growth of approximately 4.8% in 2025. The research employs a descriptive quantitative approach using secondary data obtained from the financial statements of government-owned banks, as well as publications from the Financial Services Authority (OJK) and Bank Indonesia for the 2023–2025 period. The analysis focuses on profitability ratios (ROA, ROE, NIM), liquidity (LDR), and efficiency (CIR). The results show that despite the economic slowdown in 2024 until 2025, its impact on the financial performance of state-owned banks is relatively moderate. Overall, the banking sector remains stable, although there are indications of declining profitability. The implications of this study highlight the importance of improving operational efficiency, strengthening digitalization strategies, and diversifying revenue sources to maintain resilience and financial performance amid economic pressures.
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Penelitian ini bertujuan untuk menganalisis kinerja keuangan perbankan milik negara di Indonesia di tengah perlambatan ekonomi yang ditandai dengan pertumbuhan PDB sekitar 4,8% pada tahun 2025. Metode yang digunakan adalah pendekatan kuantitatif deskriptif dengan menggunakan data sekunder yang diperoleh dari laporan keuangan bank milik pemerintah serta publikasi OJK dan Bank Indonesia periode 2023–2025. Analisis dilakukan terhadap rasio profitabilitas (ROA, ROE, NIM), likuiditas (LDR), dan efisiensi (CIR). Hasil penelitian menunjukkan bahwa meskipun terjadi perlambatan ekonomi pada tahun 2024 sampai dengan 2025, dampaknya terhadap kinerja keuangan perbankan milik negara relatif moderat, di mana sektor perbankan tetap menunjukkan kondisi yang stabil, meskipun terdapat indikasi penurunan pada aspek profitabilitas. Implikasi penelitian ini menekankan pentingnya peningkatan efisiensi operasional, penguatan strategi digitalisasi, serta diversifikasi sumber pendapatan untuk menjaga ketahanan dan kinerja keuangan perbankan di tengah tekanan ekonomi.
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