Resumo

This study conducts a comparative analysis of the financial performance and stability of Bank Mandiri, a conventional bank, and Indonesian Sharia Bank (BSI) from 2020 to 2024, utilizing the RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) analysis framework. Employing a quantitative descriptive methodology, the research examines data from all banks operating in Indonesia during the specified period, focusing on key indicators such as Non-Performing Financing (NPF), Return on Assets (ROA), and Return on Equity (ROE). The findings reveal that Bank Mandiri outperforms BSI across most RGEC indicators, showcasing superior asset quality with lower NPF and higher efficiency in capital utilization. While both banks exhibit strong capital adequacy and governance, operational efficiency remains a challenge, with BSI showing slightly better figures in the BOPO (Operating Expenses to Operating Income) ratio. Overall, Bank Mandiri demonstrates a more aggressive financing strategy and profit generation capability, whereas BSI, still stabilizing post-merger, displays healthy performance but with potential for improvement in operational margins and efficiency. This analysis contributes valuable insights into the effectiveness of the RGEC method in evaluating the financial health of different banking systems in Indonesia.

Classificação IPC

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