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All Journal Jurnal MD Jurnal Akuntansi dan Pajak International Journal of Economics, Business and Accounting Research (IJEBAR) JASF (Journal of Accounting and Strategic Finance) International Journal of Economics Development Research (IJEDR) Jurnal Genesis Indonesia Journal of Social Science Utilizing Technology Journal of Social Science Utilizing Technology
Aksan, Ismul
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Assessing the Financial Soundness of Indonesia's Largest Islamic Bank: An RGEC Framework Analysis Aksan, Ismul; Sinen, Kasim; Malik, Mahardika Catur Putriwana
Jurnal Genesis Indonesia Vol. 5 No. 01 (2026): Article in Press - Jurnal Genesis Indonesia
Publisher : The Indonesian Institute of Science and Technology Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56741/IISTR.jgi.001953

Abstract

This study aims to assess the financial soundness of PT Bank Syariah Indonesia Tbk (BSI) during the pivotal consolidation period from 2020 to 2024. The research specifically evaluates how the mega merger affects the bank's risk capability, efficiency, and overall stability. The assessment utilizes the RGEC method in accordance with Financial Services Authority (FSA) regulations. This quantitative descriptive study analyzes secondary data from BSI’s annual reports over a five-year observation period (2020–2024). The results demonstrate that BSI consistently maintained a Very Healthy composite rating throughout the period. Specifically, the bank showed remarkable improvement in operational efficiency, with BOPO decreasing significantly from 84.61% (2020) to 69.93% (2024), and profitability rising with ROA reaching 2.49% in 2024. Risk management also strengthened, evidenced by a low Net NPF of 0.50% and a robust CAR above 21%. Furthermore, GCG implementation achieved a Very Good predicate in 2024. Practical Implications: The findings suggest that the merger successfully achieved operational synergy without compromising financial stability. The study recommends that management maintain the current efficiency level while exploring further financing expansion given the high liquidity and capital buffer.
Co-Authors Aswamedhika, Aswamedhika Doddy Setiawan Evi Gantyowati Evi Gantyowati Evi Gantyowati Fajriyanti, Nurul Idam Mustofa Judijanto, Loso Karunia, Asaprima Putra Mahu, Rusna Malik, Mahardika Catur Putriwana Sardju, Fitriani Sheila Kusumaningrum Sinen, Kasim