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All Journal Ilomata International Journal of Tax and Accounting Community Development Journal: Jurnal Pengabdian Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Economics and Digital Business Review Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Jurnal Pengabdian Mandiri PENANOMICS: INTERNATIONAL JOURNAL OF ECONOMICS Jurnal Profita : Akuntansi dan Manajemen Jurnal Manajerial dan Bisnis Tanjungpinang Economic, Accounting Scientific Journal (CASH) Summa : Journal of Accounting and Tax
Novi Chandra Saputra
Program Studi Akuntansi, STIE Pembangunan Tanjungpinang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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PT Seabank Indonesia’s Financial Performance: Pre- and Post-Digital Banking Acquisition Jessyca; Munaf, Tommy; Sambodo, Bambang; Saputra, Novi Chandra; Zulaika, Nurfitri
Summa : Journal of Accounting and Tax Vol. 3 No. 4 (2025): October 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/summa.v3i4.615

Abstract

This research investigates the financial performance of PT Seabank Indonesia prior to and following its acquisition and transformation into a digital bank. The evaluation is based on several key financial indicators, including the Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, and the ratio of Operating Expenses to Operating Income. Using a quantitative method, this research analyzes secondary data drawn from quarterly financial reports between 2019 and 2022. Statistical tests, including the Paired Sample T-Test and Wilcoxon Signed Rank Test using SPSS version 29, were employed to assess differences before and after the acquisition. The findings reveal that only the LDR ratio showed a significant change post-acquisition, while CAR, ROA, and BOPO did not exhibit statistically significant differences. These results suggest that while digital transformation may influence certain aspects of bank performance, its overall financial impact may vary across different indicators.
Co-Authors Agustinus Sihombing Anggia Erdamsyah Putri Armansyah Armansyah Aulia Dewi Gizta Bailey, Alya Ningsih Calvin Calvin Chartady, Rachmad Darwin Darwin Dewi Fortuna Dhea Amanda Aulia Putri Eka Kurnia Saputra Elvina Elvina Erning Astuti FAUZI fauzi Fauzi Fauzi Fauzi Fauzi Firman Ardiansyah Hardiansyah, Ricky Hasnarika, Hasnarika Jessyca Juhli Edi S M Syafnur Marina Lidya Marlinda, Charly Meidina, Meidina Melisa Melisa Muhammad Isa Alamsyah Muhammad Isa Alamsyahbana Muhammad Rizki Nanda Kristia Santoso Natasya Natasya Nurul Despurnama Sary Pardede, Ranat Mulia Putri, Ramadhayani Quatra, Hendro Ramadhona, Herpandi, Rezario Febrianta Sahara, Masyitah As Salihi Salihi Salihi, Salihi Sambodo, Bambang Satria, Hendy Sitepu, Andres Putranta Tommy Munaf Yanto, Meidi Zulaika, Nurfitri