Mengukur kinerja keuangan perbankan milik negara Indonesia di tengah perlambatan ekonomi
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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