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Analisis Efisiensi Bank Umum Konvensional di Indonesia

Tania Dara Yewisa Universitas Negeri Padang Alpon Satrianto Universitas Negeri Padang DOI: https://doi.org/10.37034/infeb.v7i2.1130 Keywords: Efficiency, DEA, Conventional Commercial Banks, Bank Assets, CRS Abstract This study aims to analyze the efficiency level of conventional commercial banks in Indonesia based on asset classification during the 2019–2023 period. The method used is Data Envelopment Analysis (DEA) with a Constant Returns to Scale (CRS) approach. The sample consists of 29 banks, divided into two groups: 20 large-asset banks and 9 medium-asset banks. The input variables include fixed assets, equity, and operating expenses, while the output is net profit. The results show that large banks had a higher average efficiency than medium-sized banks. In 2023, the average efficiency score for large banks reached 0.7012, while medium-sized banks scored only 0.2917. The minimum efficiency scores for large and medium banks were 0.0475 and 0.0352, respectively. The percentage of large banks achieving optimal efficiency (DEA=1) ranged from 5% to 35%, while for medium banks it ranged from 5% to 22.2%. BCA and OCBC NISP consistently achieved efficiency and served as benchmarks for other banks. Differences in efficiency are influenced by business scale, technology adoption, and cost management. These findings provide a vital foundation for improving operational strategies and bank efficiency in Indonesia. Downloads Download data is not yet available. References Bank Indonesia. (2012). Peraturan Bank Indonesia Nomor 14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum. Bank Indonesia, 1–101. Belousova, V., Karminsky, A., Myachin, N., & Kozyr, I. (2021). Bank Ownership and Efficiency of Russian Banks. Emerging Markets Finance and Trade, 57(10), 2870–2887. DOI: https://doi.org/10.1080/1540496X.2019.1668764 . Davidovic, M., Uzelac, O., & Zelenovic, V. (2019). Efficiency Dynamics of The Croatian Banking Industry: DEA investigation. 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Data Envelopment Analysis (Dea): Perbandingan Efisiensi Bank Syariah dan Bank Konvensional Periode 2014-2018. Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan, 15(2), 25–41. DOI: https://doi.org/10.32832/neraca.v15i2.3498 . Hasanah, U., & Serly, V. (2019). Analisis Perbandingan Efisiensi, Kualitas Aset, dan Stabilitas Bank Umum Konvensional dan Bank Umum Syariah yang Melakukan Pemisahan (Spin-Off) di Indonesia Periode Tahun 2013-2017. Jurnal Eksplorasi Akuntansi, 1(3), 1411–1425. DOI: https://doi.org/10.24036/jea.v1i3.151 .	Download Published 2025-05-17 Issue Vol. 7, No. 2 (June 2025) Section Articles How to Cite Yewisa, T. D., & Satrianto, A. (2025). Analisis Efisiensi Bank Umum Konvensional di Indonesia. Jurnal Informatika Ekonomi Bisnis, 7(2), 195-200. https://doi.org/10.37034/infeb.v7i2.1130 ACM ACS APA ABNT Chicago Harvard IEEE MLA Turabian Vancouver Download Citation Endnote/Zotero/Mendeley (RIS) BibTeX This work is licensed under a Creative Commons Attribution 4.0 International License.

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