CREDIT RISK ANALYSIS ON BANKING FINANCIAL PERFORMANCE (Case Study on State-Owned Banks Listed on the IDX for the 2022-2024 Period)

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Analysis shows credit risk affects financial performance in state-owned banks, suggesting insights for post-COVID recovery.

Credit risk significantly impacts banking financial performance, with potential negative effects on return on assets.
The non-performing loan ratio serves as the primary measure for credit risk, influencing banking results in Indonesia.
The study focuses on state-owned banks during the 2022-2024 period on the Indonesia Stock Exchange.
Understanding these dynamics is crucial for improving financial resilience post-pandemic.

Zeta et al. (2025) studied this question.

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