BANKING FINANCIAL PERFORMANCE AND SUSTAINABILITY RESILIENCE BEFORE AND AFTER COVID-19: EVIDENCE FROM INDONESIAN STATEOWNED BANKS
This study examines the financial performance and sustainability resilience of Indonesian state-owned banks (BUMN) before, during, and after the COVID-19 pandemic over the period 2019–2023. Using a comparative quantitative approach with paired-samples t-tests and panel data analysis, this study analyzes four major stat...