Resumo

This study conducts a comparative analysis of the financial performance and stability of Bank Mandiri and Indonesian Sharia Bank (BSI) from 2020 to 2024, utilizing the RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) framework. Employing a quantitative descriptive methodology, the research focuses on key financial indicators across both banking institutions. The findings reveal that Bank Mandiri outperforms BSI in most RGEC metrics, showcasing superior asset quality with a significantly lower Non-Performing Financing (NPF) ratio and enhanced efficiency in asset and capital utilization, as evidenced by higher Return on Assets (ROA) and Return on Equity (ROE). While both banks exhibit strong capital adequacy and governance, operational efficiency remains a challenge, with BSI demonstrating slightly better figures in this area. The analysis indicates that Bank Mandiri is more aggressive in financing distribution and profit generation, whereas BSI, still stabilizing post-merger, shows healthy performance but has opportunities for improvement in operating margins and efficiency. This research contributes to the understanding of the financial health of sharia versus conventional banks in Indonesia, providing insights for regulators and financial practitioners.

Classificação IPC

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