PERBANDINGAN KINERJA KEUANGAN PERBANKAN BUMN DAN PERBANKAN SWASTA

Abstract

The proliferation of operating banks has led to increased competition among banks in Indonesia. Competition is clearly visible, especially in the Bank group whose largest shareholdings are the government (BUMN) and private-owned banks. The competition that occurs is not only in terms of the struggle for market share but also occurs in the growth of the number of banks and bank office units from each bank group. The purpose of the research is to evaluate and to compare which financial performance is better between Public Sector Banks (BUMN) and Private Sector Banks using financial ratio method. They are CAR, ROA, BOPO, NIM and NPL from 2018 to 2021. The sampling technique is purposive sampling, there are 4 Public Sector Banks and 4 Private Sector Banks. The results show that Private Sector Banks are better than Public Sector Banks. They also show differences between Public Sector Banks and Private Sector Banks in the CAR and NPL and there is no difference between Public Sector Banks and Private Sector Banks in the ROA, BOPO and NIM.