Comparative Analysis of Bank Performance Between Bank Syariah Indonesia (Private-Shariah) and Bank Central Asia (Private-Conventional) Period of 2021 and 2022

Abstract

Bank Syariah Indonesia (BSI) is the largest sharia bank in Indonesia, while Bank Central Asia (BCA) is a conventional private bank with the largest capitalization in Indonesia. The fundamental problem at BSI is a cyber attack that has an impact on the IT system, while the fundamental problem at BCA bank is that the mobile banking system will be disrupted in 2022, so researchers will compare the bank's performance in 2021 (before) and 2022 (after). The general objective of this research is to analyze the comparison of bank performance after experiencing technological obstacles from both internal and external sources, while the specific objectives are to find out whether: (1) Any difference in the performance of Bank Syariah Indonesia (Private-Syariah) between 2021 and 2022, (2) Any difference in the performance of Bank Central Asia (Private-Conventional) in 2021 and 2022, (3) Any difference in the performance of Bank Syariah Indonesia (Private-Sharia) and Bank Central Asia (Private Conventional) between 2021 and 2022. The method used in this research is RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). The analytical tool used is the Wilcoxon and Mann Whitney non-parametric t-difference test. The results obtained are: 1. There is no difference in Bank BSI's performance before and after the IT problem but not constant; 2. There is no difference in Bank BCA's performance before and after the IT problem but not constant; 3. There is no difference in the performance of Bank BSI before and BCA before IT problems occur but are not constant;4. There is no difference in the performance of Bank BSI after and BCA after IT problems occur but are not constant.