<![CDATA[This study aims to examine the impact of a merger on the financial health of a bank using the Risk-Based Bank Rating (RBBR) approach. The research focuses on the case of Bank Danamon and Bank Nusantara Parahyangan, which underwent a merger to comply with the single ownership regulation mandated by the Financial Services Authority (OJK) of Indonesia. The study adopts a descriptive quantitative method, utilizing secondary data from the banks’ financial reports before and after the merger. The RBBR framework employed in the analysis includes four key indicators: Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital. The findings reveal significant changes in the banks’ health levels post-merger, as indicated by improvements and variations in key financial ratios such as Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR). These results suggest that the merger had a positive influence on enhancing operational efficiency and overall financial stability. Thus, mergers can serve as a strategic tool to strengthen banking institutions and improve competitiveness in the financial sector.]]>
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