Published 2025-12-13
Keywords
- financial resilience, BNI, COVID-19 pandemic, financial ratios, regulatory policy.
How to Cite
Abstract
This study aims to analyze the financial performance resilience of Bank Negara Indonesia (BNI) during the COVID-19 pandemic using a qualitative approach based on a comprehensive literature review. The analysis focuses on evaluating key financial ratios such as ROA, ROE, NPL, BOPO, LDR, and CAR, as well as identifying internal and external factors that influence banking stability. Findings indicate that BNI’s resilience was supported by effective risk management, accelerated digitalization, and operational efficiency, enabling the bank to maintain asset quality despite economic disruptions. In addition, regulatory support from the Financial Services Authority (OJK), government stimulus programs, and macroeconomic conditions contributed significantly to financial stability and recovery during the crisis. Overall, the interaction between internal strengths and external policy measures reinforced BNI’s ability to sustain its intermediation function and maintain stable financial performance throughout the pandemic. This study provides academic and practical insights into banking resilience in times of crisis.
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References
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