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Aslam, Annisa Paramaswary
Department Of Management, Faculty Of Economics And Business, Universitas Negeri Makassar
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Analysis of Financial Performance Between Banking and Non-Bank Financial Institutions: Evidence from PT Bank Central Asia Tbk and PT Mandala Multifinance Tbk Annisa Paramaswary Aslam
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 3 (2026): February
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i3.400

Abstract

This study aims to analyze and compare the financial performance of banking institutions and non-bank financial institutions in Indonesia through a case study of PT Bank Central Asia Tbk (BCA) and PT Mandala Multifinance Tbk. The research employs a descriptive comparative approach using financial statement data from 2022 to 2024. The analysis focuses on financial position statements, income statements, and key financial ratios that reflect profitability, operational efficiency, asset quality, and capital structure. The results show that BCA has significantly larger assets and more stable profitability compared to Mandala Multifinance due to its banking intermediation function and access to public deposits. Meanwhile, Mandala Multifinance demonstrates relatively higher asset turnover and return on assets due to its focus on consumer financing activities. In terms of operational efficiency, BCA shows stronger performance with a lower operating expense ratio, whereas Mandala Multifinance has higher operational costs due to the nature of consumer financing operations. The findings indicate that although both institutions operate in the financial industry, differences in business models and funding sources result in distinct financial performance characteristics.
Co-Authors A. Nur Habibie Jannah Abadi, Rahmat Riwayat Abadi, Ridfan Rifaldy Abdi Akbar Idris Abdul Rahman Achmad Yassin Zidan Akram Aslam Agung Widhi Kurniawan Ahmad Rifani Alya Fadiyah Dwi Putri Amalia, Regina Andi Asmawati Azis Andi Citra Pratiwi Andi Citra Pratiwi Andi Dewi Angreyani Andi Mustika Amin Andika Isma Angraeni, Erni Angreyani, Andi Dewi Anugrah, Fira Anwar Anwar Anwar Anwar Anwar Anwar Anwar Ramli Anwar, Indah Lestari Arissoma, Muhammad Anggit Gagat Arnes Yuli Vandika Aslam, Achmad Yassin Zidan Akram Asri Awal Athaillah Hasyim Ayu Kartini Parawansa Ayu Kartini Parawansa Ayu, Dian Fajar Ayu, Reski Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Chalid Imran Musa Darmawinata, Widhi Nugraha Sumiharja Dipoatmodjo, Tenri S.P Dipoatmodjo, Tenri SP Dwi Anugerah Lestari Musa Farid, A Muhammad Firdaus Daud Fitriani Fitriani Rahim Fudjaja, Letty Hamid, Muliana Gunawan Hanafi, Anhar Ahmad Syah Hanafi, Kartini Hannan Fadlurahman Hardiyanti, Andi Aryani Hasbiah, Siti Hety Budiyanti Hety Budiyanti, Hety Idris, Abdi Akbar Idris, Muhammad Istiyansyah Ulman Ilma Wulansari Hasdiansa Indri Iswardhani Ipoatmodjo, Tenri S. P. D Irma Satriani Irma Satriani, Irma Isma Azis Riu Juliani Khairul, Nila Kalla, Rastina Kesuma, Sulfadli Adi Jaya Khadija, Sitti Khaidir Syahrul Kristina W. Parinsi Kusuma, Sulfadli Adijaya M Taslim Dangnga M. Ikhwan Maulana Haeruddin Maghfirah Sultan, Nurul Malika, Safinah Aisya Mansyur, Muthmainnah McMahon, Peter J. Muh Al Fatah Arief Putra Muh Arnesta Arnanda Muh Ichwan Musa Muh Reza Abdillah Muh. Yushar Mustafa Muhammad Ardiansyah Muhammad Fathul Khaliq Muhammad Ilham Wardhana Haeruddin Muhammad Ridwan Muhammad Yasir Muhammad Yushar Mustafa Mukarram, Hadratul Musa , Muhammad Ichwan Musa, M. Ichwan Musa, Muh Ichwan Musa, Muhammad Ichwan Mushawwir , Shaleh Afief A Mushawwir, Shaleh Afief A Mustafa, Fahrina Mustafa, Riad Natsir, Uhud Darmawan Nugraha , Rahmat Nurul Prima Nur Alya Nanda Nur Haliza Nur, Sulistiwati Nurgraha SD, Widhi Nurhidayanti, Helmi Nurman Nurman Nurman Nurman Nurman Nurul Aulia Nisa Nurul Fadilah Aswar Palangkey, Nurul Rahmi Parawansa, Dian Anggraece Sigit Patigana, A Gita Namira Pole, Yogi Adnal Fathirullah Pratiwi, Andi Citra Primawalda, Az-zahra Rizqi Putra, Muh Al Fatah Arief Putra, Muh. Al Fatah Arief Putri, Ariella Ramadhani Qhalby, Zakira Rahayu, Widuri Rahmadani, Dwi RAHMAT SETIAWAN Rahmat, Muhammad Rijal Alim Ramadhani, Gina Ramadhani, Khusnul Khatimah Putri Ramli , Anwar Rauf, Deddy Ibrahim Regina Regina Regina Rezky Amalia Hamka Rezky Amalia Hamka Ridfan Rifadly Abadi Rifda Rahmah Bamatraf Romansyah Sahabuddin Sapira, Amani Sahra Saputra, Aria Sari, Risa Arsita Sastry Armelia Tokilos Sitti Hasbiah Sitti Nuralifah Rahmayani Sombeng, Andi Rini Hastuti Suci Nengsia Syafikah, Nurul Syahrul, Khaidir Syam, Muh. Lutfi Syardiansyah Syarif Saddam Rivanie Taufik, Anisya Devinta Taufik, Finta Anindhita Tawe, Amiruddin Tenri Sayu Puspitaningsih Dipoatmodjo Uhud Darmawan Natsir Upriani, Upriani Wahyudin Wahyudin Widhi Kurniawan, Agung Widhi Nugraha S. D. Widuri Rahayu Wilda Wilda Wulansary, Ilma Yusri Yunus Zulfajry Al Syafaat