THERE is an anomaly in the financial performance of the four banks under the Association of State-Owned Banks (Himbara), at the end of 2024. In December 2024, the average profit growth of Himbara banks was recorded at just 2.08 percent. This figure is only one-tenth of the growth rate in 2023, which reached 22.86 percent. According to Mochammad Doddy Ariefianto, a banking expert and lecturer at Bina Nusantara University in West Jakarta, this situ