<![CDATA[This study aims to analyze the differences in financial performance between government-owned banks and national private banks listed on the Indonesia Stock Exchange during the 2021–2025 period. Financial performance is measured using Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR). This research uses a quantitative approach with a comparative descriptive method. The sample was selected using purposive sampling and consisted of eight banks, comprising four government-owned banks and four national private banks, with a total of 40 observations. The data used were secondary data obtained from annual financial reports published by the Indonesia Stock Exchange and the official websites of each bank. Data analysis was conducted using descriptive statistics, normality tests, homogeneity tests, and difference tests using the Independent Sample T-Test and Mann-Whitney U Test. The results show that there are no significant differences in ROA and NIM between government-owned and national private banks. However, significant differences are found in ROE, LDR, and CAR. Government-owned banks have higher average ROA, ROE, and LDR, while national private banks have higher average NIM and CAR. Therefore, ownership structure is associated with differences in several financial performance indicators, particularly ROE, LDR, and CAR.]]>
Copyrights © 2026
