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All Journal Jurnal Diferensial Eduvest - Journal of Universal Studies
Adrian, Ferry
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Aerospace Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Mathematics Neuroscience Public Health Social Sciences

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Journal : Eduvest - Journal of Universal Studies

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Analysis of Bank Efficiency in Indonesia Based on Financial Ratios Adrian, Ferry
Eduvest - Journal of Universal Studies Vol. 5 No. 8 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i8.51270

Abstract

This research aims to analyze the efficiency of banks in Indonesia based on financial ratios in the Group of Banks Based on Core Capital (KBMI) 3 and 4 for the 2021-2024 period. The Network Data Envelopment Analysis (Network DEA) approach is used to measure operational efficiency and profitability comprehensively, with an asset approach to understand the bank's resource optimization. The results of the analysis show that PT Bank Mandiri (Persero) Tbk has the highest operational efficiency, while PT Bank Permata Tbk has the lowest. In terms of profitability efficiency, PT Bank Central Asia Tbk recorded the highest value, while PT Bank Maybank Indonesia Tbk recorded the lowest. Overall, PT Bank Central Asia Tbk was the most efficient, while PT Bank Maybank Indonesia Tbk was the lowest.  The panel regression model shows that the ratio of Operating Costs to Operating Income (BOPO), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) has a significant effect on Return on Assets (ROA). This research is expected to be a reference for banks in improving efficiency and competitiveness.
Co-Authors Aprizkiyandari, Siti Yundari, Yundari