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I Nyoman Nugraha Ardana Putra
Fakultas Ekonomi Dan Bisnis Universitas Mataram, Indonesia
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Comparative Analysis of the Financial Performance of State-Owned Banks in Indonesia Using The RGEC Framework Before, During, and After the COVID-19 Pandemic Puspita Rani, Ida Ayu Amara; Putra, I Nyoman Nugraha Ardana
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8886

Abstract

This study analyzes the financial soundness of four Indonesian state-owned banks—Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Mandiri, and Bank Tabungan Negara (BTN)—using the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) framework as regulated in POJK No. 4/POJK.03/2016, which replaced Bank Indonesia Circular Letter No. 13/24/DPNP. A longitudinal comparative approach was applied across three periods: pre-pandemic (2015–2019), pandemic (2020–2021), and post-pandemic recovery (2022–2024), based on audited annual reports and recalculated financial ratios. Results show that the pandemic negatively affected asset quality and profitability, as indicated by increased Non-Performing Loans (NPL) and reduced Return on Assets (ROA). However, Capital Adequacy Ratios (CAR) remained well above regulatory requirements, ensuring overall financial stability. Good Corporate Governance (GCG) practices also improved consistently, acting as a stabilizing factor during the crisis. By the post-pandemic period, BRI and Mandiri achieved “Very Healthy” (PK-1) ratings, while BNI and BTN maintained “Healthy” (PK-2) status. These findings highlight the importance of credit restructuring, capital strengthening, and governance quality in sustaining the resilience of state-owned banks, offering valuable insights for policymakers in enhancing Indonesia’s financial system stability.
Co-Authors Abdul Manan Abdul Mannan, Siti Sofiyah Akram, Akram Amir Tengku Ramly Andika Noviawan, Lalu Andika, Puput Anding Nugeraha Animah Animah Animah Aprillia, Dea Apryana Eristanti, Baiq Dwi Ardian, Bahtiar Agung Arsana, I Dewa Putu Asnawi, Hammam Adian Ayu Putu Arie Dewanty Azizatul Farhaini B. Busaini, B. Baiq Dwi Apryana Eristanti Baiq Emi Supiana Baiq Ismiwati Baiq Nurul Suryawati Barry Alfian Biyanti, Achrelia Luluk Budi Santoso Budi Santoso Budi Santoso Dara Nida Utamie Dina Amalia Dwi Putra Buana Sakti Elin Erlina Sasanti Embun Suryani Endar Pituringsih Eriana Eriana Falen Sadewo Faturahman G. A. Sri Oktaryani GA Sri Oktaryani Gani, Ramlah H. A. Hadi Mahmudi Hadi Mahmudi Hadi Mahmudi Hadi, Ahwan Hafiz Rahman Hanesfa Hairil Ihsan Hairun Niswati Hayatus Saadiah Heriani Heriani Hermanto Hermanto Hermanto Hermanto Hery Susanto Hery Susanto Hery Susanto Husnan, Lalu Hamdani I Dewa Gde Bisma I Dewa Gde Bisma I Dewa Gede Bisma I Dewa Gede Bisma I Gde Mandra I Gede Mandra I Made Adi Sayoga I Made Suartika I Putu Buda Yasa I Wayan Joniarta Ibrahim, Isra Dewi Kuntary Ida Ayu Putu Sri Widnyani Idha Novianti Ilham Ilham Ilham Maulana Akbar Ilhamsyah Irya Arisantika Hiqwan Iwan Kusmayadi Jainuddin Jainuddin Johan Satriajaya Johan Satriajaya Jurnal Pepadu Kadek Indah Estyari Kariani Febrianti Khaerul Anam Khoiro Yulida Laila Wardani Lalu Hamdani Husnan Lancur Ruktipriangga Lilik Handajani Luthfiyana Adfanin Made Wijana Made Wijana, Made Masrun Masrun Milayati Milayati Moh. Yassir Araffat Muhamad Ali Imron Muhammad Luthfi Naila A.M Nasution, Sophia Kartika Ni Luh Debby Maharani Eka Putri Ni Putu Ary Aryawati Ni Putu Vera Juliati Pratiwi Ningrum, Safitri Ade Noval, Khamada Novel, Khamada Nurdin Nurdin Nurmayanti, Siti Nurul Hidayatul Hikmah Nurul Syahraini Oktaryani, G. A. Sri Pramadani, Intha Daefa Puspita Rani, Ida Ayu Amara Putra, Ardi Wijaya Putra, Urief Arsani Atma Raden Bagus Faizal Irany Sidharta Raden Roro Dhiya Auliana Soesetio Raheni Raheni Rahman Rahman Ramadhan, Galang Baruna Rispawati, Dewi Riyan Satria Sirrulloh Jagat Rizki Fazrin Rizki, Muhammad Hilman Rizki, Otot Bayu Rizky Fathullah Saifullah Saifullah Saipul Arni Muhsyaf Sakti, Dwi Putra Buana Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Julaeha Sudi hardi Sujadi Sujadi Sujadi Sujadi Sujadi Sujadi Sujadi Sujadi Sujadi Sujadi Sujadi Sujadi Sukendri, Nengah Sulaeman Sarmo Suryani, Embun Syarifuddin Syarifuddin Wardani, Linda Noviantika Yati Auliah Yolanda Sintiyani M Yosyana Kartin Yulia Zulfahni Yuma Yuma Yusnirmaladewi, Resty Zulbahri Zulbahri