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All Journal Jurnal Point Equilibrium Manajemen dan Akuntansi
Erniwati Erniwati
Universitas Sumatera Barat, Kota Pariaman, Indonesia
Economics, Econometrics & Finance

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The The Impact of Artificial Intelligence (AI), Good Corporate Governance, and Risk Management on the Financial Performance of Bank Rakyat Indonesia (BRI) 2020–2025 Winona Kumara Dewi; Erniwati Erniwati; Dinda Desta Safitri
Jurnal Point Equilibrium Manajemen dan Akuntansi Vol. 8 No. 2 (2026): Jurnal Point Equilibrium Manajemen dan Akuntansi
Publisher : Universitas Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59963/jpema.v8i2.723

Abstract

Financial performance is a crucial indicator in measuring the operational efficiency and profitability level of a banking institution. This study aims to determine and analyze the influence of artificial intelligence, good corporate governance, and risk management on the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk. This research employs a quantitative approach using secondary data obtained from quarterly financial reports published by the Indonesia Stock Exchange (IDX) and Bank Indonesia for the 2020–2025 period. Utilizing total sampling, a total of 24 quarterly observation data units were analyzed using multiple linear regression with SPSS version 26. The variables used include financial performance as the dependent variable, while artificial intelligence, good corporate governance, and risk management serve as independent variables. Based on the analysis model, artificial intelligence and good corporate governance have a positive and significant effect on the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk, whereas risk management has a negative and significant effect. The regression results indicate an R-Square (R²) value of 0.874, meaning that 87.4% of the dependent variable is explained by the independent variables, while the remaining 12.6% is explained by other factors outside the model.
Co-Authors Dinda Desta Safitri Winona Kumara Dewi