Efficiency, Financing Quality, and Capital Ratios of Indonesian Islamic Banks: An Exploratory 2025 Baseline
This study maps the profitability, operational efficiency, and capital resilience of Indonesian Islamic Commercial Banks (Bank Umum Syariah, BUS) for the 2025 financial year, and positions the industry ahead of the Basel III-style liquidity regime introduced through OJK Regulations No. 20 and No. 21 of 2025. A descript...