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Research on national banking using the Altman’s Z-Score analysis technique has been relatively extensive, but studies focusing specifically on banks indexed to SRI-KEHATI remain limited. The SRI-KEHATI Index is known as a benchmark for companies with strong sustainability, social responsibility, and good governance practices. This study aims to analyze the health trends of banks listed in the SRI-KEHATI Index during the 2015–2024 period by applying the second modified Altman’s Z-Score model (1993), which is widely recognized as a reliable indicator for assessing a company’s financial stability and risk of bankruptcy. The findings indicate that the overall Altman’s Z-Score trend of major banks within the SRI-KEHATI Index shows stability and a consistently healthy financial condition throughout 2015–2023. However, in 2024 there is a notable decline that requires further examination to determine whether it is caused by market fluctuations, structural challenges, or accounting adjustments. Despite this decrease, the overall financial health of the banks remains categorized as very good according to Altman’s model. The average Z-Score for all four banks analyzed is 6.457, which is well above the threshold of 2.6, indicating no significant bankruptcy risk. When evaluated individually, BMRI stands out as the healthiest with a Z-Score of 13.879, followed by BBNI with 5.971, BBRI with 3.175, and BBCA with 2.801. These results confirm that all four banks remain in a safe financial zone during the 2015–2024 period. Furthermore, the study’s four hypotheses are proven, reinforcing the argument that SRI-KEHATI indexed banks maintain strong financial resilience even amid post-Covid-19 challenges.

Islamic financial management is a crucial element in sustaining the growth of the Islamic banking industry in Indonesia. This study aims to analyze how Islamic financial management practices are carried out in national banking by referring to the regulations set by OJK, Bank Indonesia, and DSN-MUI. Using a qualitative-descriptive approach, this study examines policy documents, regulatory frameworks, and operational practices of Islamic financial institutions. The results of the study show that the implementation of Islamic financial management has adopted Islamic principles through the structure of fund raising, financing distribution, and risk and compliance governance. However, implementation in the field still faces various obstacles, both from the internal side such as limited human resources and gaps in understanding of regulations, as well as from the external side in the form of accelerated digitalization, weak coordination between authorities, and legal uncertainty. This research emphasizes the need to strengthen the capacity of industry players, adaptive regulatory updates, and institutional synergy so that the Islamic financial system can grow sustainably and in line with sharia principles.

This study analyzes the financial performance of state-owned banks (BUMN) listed on the Indonesia Stock Exchange during the period of 2019–2023 based on profitability ratios (ROA, ROE) and operational efficiency (CIR). The results show that Bank Mandiri and BRI had the best performance, with significant improvements in efficiency and profitability, achieving ROA of 2.76% and 3.08% and ROE of 20.89% and 19.09% in 2023. Meanwhile, Bank BNI experienced fluctuations in its profitability ratios, with ROA increasing to 2.25% in 2023, although slightly lower than the previous year. Nevertheless, Bank BNI showed relatively stable operational efficiency, with CIR ranging between 50% and 60%. Bank BTN, while having the lowest performance, showed significant improvement throughout the study period. This study provides important insights for investors and policymakers in understanding the dynamics of the national banking sector.

Sharia-based monetary policy instruments, such as the Bank Indonesia Sharia Certificate (SBIS) and the Sharia Interbank Money Market (PUAS), contribute significantly to liquidity stability and expand access to sharia banking services. Even though the sharia banking sector continues to grow, the market share of the national banking industry is still relatively small due to low financial literacy, limited infrastructure and global economic challenges. This research highlights the importance of strengthening sharia financial literacy, developing digital infrastructure, as well as collaboration between the government, private sector and Bank Indonesia to overcome these obstacles. Strategic recommendations are provided to increase sharia-based financial inclusion which is expected to become a model for countries where the majority of the population is Muslim.

This research explains a phenomenon of how national banking marketing strategies are technology-based. This research uses an exploratory qualitative method with a literature study approach which tries to produce information and knowledge in a field that was previously under-researched. The research results show that national banking marketing strategies developed in accordance with advances in technology during that time. Current technological developments have brought about fundamental changes in national banking, such as the presence of branchless banking and digital banking based on internet technology. The next development will change banking marketing strategies starting the marketing 5.0 era based on humanity and technology. It is hoped that the results of this research will be useful for the world of banking and science in the future.