ANALYSIS ENVIRONMENT INTERNAL AND EXTERNAL AS WELL AS SUSTAINABLE STRATEGY FORMULATION ON PT BANK RAKYAT INDONESIA (LIMITED) TBK

Abstract

Industry banking national operate in middle environment business which dynamic, marked by acceleration information transferdigital, strengthening regulations finance sustainable, pressure macroeconomics, and demands for environmental, social, and environmental practices.  governance  (ESG) which more transparent. Study This aim analyze environment internal and external PTBank  Rakyat  Indonesia  (Persero) Tbk (BRI) and formulate  recommendation  strategic based on sustainability principles. The research uses a descriptive-qualitative approach with a case study design. single, utilise data secondary from report finance company,regulation​ Financial Services Authority (OJK) and Bank Indonesia , credible economic-business media coverage, and academic literature related. Internal environmental analysis is carried out through a framework SWOT that enriched matrix Internal Factor Analysis Summary (IFAS), whereas analysis external environment using  framework  PESTEL  Which  enriched  matrix​  ExternalFactor Analysis Summary (EFAS); second results​ Then integrated to in matrix Internal-External (IE) and TOWS matrix for strategy formulation. The results of the study showed a score  IFAS amounted to  2.9  And  score  EF AS is as big as  2.8, Which put  BRI  on  quadrant  grow-and-build  (grow  and  build),  with strength main on the network distribution micro widest Anddomination segment MSMEs, as well as weakness on pressure profitability And gap transformation digital compared tocompetitors. Strategic recommendations are developed in stages from short term to long term. long, emphasize on strengtheningquality asset, acceleration digital, development financing green in accordance Indonesia Taxonomy for​ Sustainable Finance (TKBI),And transformation going to sustainability-driven bank Which level cells with principle triple bottom line. Study This givecontribution in the form of integrated analysis framework SWOT-PESTEL- TOWS based data empirical latest i Which canreplicated on studies case bank State-Owned Enterprises other.