Konvergensi Bank BUKU 3 dan BUKU 4 Gap Performa pada Bank BUKU 4
Keywords:
Konvergensi Bank, Performa Bank BUKU 3, Performa BUKU 4.Abstract
Bank Indonesia membagi bank menjadi empat strata berdasarkan jumlah asetnya utuk mendorong efisiensi bank di setiap strata. Sejak regulasi dirilis pada tahun 1998, bank BUKU 4 atau bank dengan aset terbesar terdiri dari empat bank yang menguasai lebih dari lima puluh persen pangsa pasar di Indonesia. Namun sejak tahun 2017 terdapat tiga bank BUKU 3 yaitu Bank CIMB Niaga, Bank Panin dan Bank Danamon bergabung dengan strata tertinggi ini. Penelitian ini menganalisis kinerja konvergensi bank BUKU 3 yang bergabung ke bank BUKU 4 serta bank BUKU 4 yang sudah mantap. Penelitian ini menggunakan metode analisis laporan keuangan, analisis tren dan statistik deskriptif. Hasil penelitian menunjukkan bahwa terdapat peningkatan kinerja ketiga bank BUKU 3 yang akhirnya melebur menjadi bank BUKU 4. Perbedaan ini tercermin dalam empat indikator utama, yaitu Capital, Assets Quality, Profitability, dan Liquidity. Penelitian ini menyimpulkan bahwa konvergensi terjadi namun dalam konteks terbatas dan bank BUKU 3 yang masuk dalam kategori BUKU 4 belum benar-benar mampu menandingi performa bank BUKU 4 yang sudah mantap.References
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