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

DOI

10.2991/978-94-6463-938-4_43How to use a DOI?

Keywords

financial performance; conventional bank; non-controlling owners; stability; growth

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.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Bambang Waluyo
AU  - Indianik Aminah
AU  - Herbirowo Nugroho
PY  - 2025
DA  - 2025/12/31
TI  - 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
BT  - Proceedings of the International Conference on Applied Science and Technology on Social Science 2025 (iCAST-SS 2025
PB  - Atlantis Press
SP  - 371
EP  - 378
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-938-4_43
DO  - 10.2991/978-94-6463-938-4_43
ID  - Waluyo2025
ER  -