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Analysis of the Impact of Sharia Bank Performance on the Financial Performance of Its Parent Conventional Bank: A Case Study of BSI and Bank Mandiri

In: Proceedings of the International Conference on Applied Science and Technology on Social Science 2025 (iCAST-SS 2025)

Author

Listed:
  • Bambang Waluyo

    (Accounting Departement)

  • Indianik Aminah

    (Accounting Departement)

  • Herbirowo Nugroho

    (Accounting Departement)

Abstract

This study aims to analyse the impact of Bank Syariah Indonesia's (BSI) financial performance as a subsidiary on the economic performance of the three conventional banks that own it: Bank Mandiri, the parent bank, as well as BNI Bank and BRI Bank, which are non-controlling owners. This study utilises secondary data from the annual financial statements of BSI, Bank Mandiri, BNI, and BRI for the 2020–2024 period. This study employs a quantitative descriptive approach to examine the relationship between performance indicators, including Caputal Adequacy Ratio (CAR), Return On Assets (ROA), Return On Equity (ROE), Biaya Operasional Pendapatan Operasional (BOPO), Non Performing Financing (NPF), and the ratio of net profit to revenue. The results of the analysis show that BSI’s performance growth is positively correlated with the efficiency and profitability of the three parent banks, as reflected in improvements in the ROA, ROE, and BOPO indicators. These findings imply that strengthening the performance of Islamic entities can support the stability and growth of the overall performance of the banking group.

Suggested Citation

  • Bambang Waluyo & Indianik Aminah & Herbirowo Nugroho, 2025. "Analysis of the Impact of Sharia Bank Performance on the Financial Performance of Its Parent Conventional Bank: A Case Study of BSI and Bank Mandiri," Advances in Economics, Business and Management Research, in: Muhammad Udin Harun Al Rasyid & Nurul Fahmi & Yuliana Sukarmawati & I Wayan Sutina & Upayana Wiguna (ed.), Proceedings of the International Conference on Applied Science and Technology on Social Science 2025 (iCAST-SS 2025), pages 371-378, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-938-4_43
    DOI: 10.2991/978-94-6463-938-4_43
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