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All Journal Journal Economic Management and Business
Dhafyah, Athaya Aqilah
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Economics, Econometrics & Finance Other

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Perbandingan Kinerja Keuangan PT. Bank SeaBank Sebelum dan Sesudah Akuisisi: Studi Literatur Ramadhani, Nur Fitri; Yuliana, Yuliana; Dhafyah, Athaya Aqilah; Wulandari, Wulandari
Journal Economic Management and Business Vol 4, No 1 (2025)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/jfeb.v4i1.6574

Abstract

This study analyzes the financial performance of PT. SeaBank before and after the acquisition by Sea Group, with a focus on digitalization. Using the quantitative approach and Wilcoxon test method, the study found that the  increased significantly, while the Capital Adequacy Ratio (CAR) remained stable. Although operational efficiency as measured by Operating Expenses to Operating Income (BOPO) shows improvement, Return on Assets (ROA) remains negative, reflecting challenges in profitability. These results highlight that although acquisitions have a positive impact on credit disbursement efficiency, there is still a need to improve profit performance. This research provides important insights into the impact of acquisitions in the digital banking sector in Indonesia, as well as demonstrating the need for better risk management to ensure the continued growth and financial health of banks in the future. 
Co-Authors Raden Mohamad Herdian Bhakti Wulandari Wulandari Yuliana Yuliana