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All Journal International Journal of Global Operations Research
Suryadi, Joanes Ferdienand
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Mathematics

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Investment Strategy in the Banking Sector: Probability Ratio Analysis and Comparison of Financial Performance in Core Bank Group 4 (BCA, BRI, BNI, Mandiri) Wardoyo, Chess Satriya; Suryadi, Joanes Ferdienand
International Journal of Global Operations Research Vol. 6 No. 2 (2025): International Journal of Global Operations Research (IJGOR), May 2025
Publisher : iora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/ijgor.v6i2.380

Abstract

This study aims to analyze performance bank finances in KBMI group 4 (Bank BCA, BRI, BNI, and Mandiri ) with a focus on the ratio profitability as a foundation taking decision investment . Using the method descriptive comparatively , this study analyzes financial data in five year period Lastly , with a focus on the Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Cost of Goods (Cash) indicators . Operational to Income Operational (BOPO). Research results show that there is difference significant in profile profitability the four banks, with BCA showing consistency highest in profitability and efficiency operational . BRI shows superiority in NIM, while Mandiri and BNI show improvement stable performance . Investment strategy model formulated based on analysis risk -return, cycle economy , and trends industry banking . This research provides different investment strategy recommendations based on profile investor risk , taking into account special to impact digital transformation and change regulation in the sector Indonesian banking .
Co-Authors Wardoyo, Chess Satriya