Risk Management and Its Impact on Financial Performance: Analysis of Mitigation Strategies at PT Bank Central Asia Tbk
DOI:
https://doi.org/10.65310/0152cq66Keywords:
Risk management, financial performance, banking, BCA, corporate governance.Abstract
This study examines the effectiveness of risk management implementation at PT Bank Central Asia Tbk and its influence on financial performance based on an in-depth qualitative descriptive approach using official corporate documents. The analysis focuses on key risk categories, including credit, market, liquidity, operational, and strategic risks, which are systematically managed under regulatory standards and Good Corporate Governance principles. The findings show that BCA maintains strong financial performance supported by low non-performing loans, stable profitability, efficient operational management, and solid capital adequacy throughout the observation period. Risk mitigation practices are integrated into strategic decision-making, enabling the bank to remain resilient amid economic fluctuations and industry competition. The study also highlights that consistent application of risk management strengthens financial indicators such as ROA, ROE, NPL, BOPO, LDR, and CAR, demonstrating a direct relationship between risk control and institutional stability. These results reinforce prior research asserting that effective risk management is a determining factor in sustaining corporate performance and enhancing long-term value. This research contributes to the understanding of risk management practices in the Indonesian banking sector and offers insights for improving financial governance
Downloads
References
Chick, R. C., Clifton, G. T., Peace, K. M., Propper, B. W., Hale, D. F., Alseidi, A. A., & Vreeland, T.
J. (2020). Using technology to maintain the education of residents during the COVID-19 pandemic. Journal of Surgical Education, 77(4), 729–732. https://doi.org/10.1016/j.jsurg.2020.03.018.
Creswell, J. W., & Poth, C. N. (2016). Qualitative inquiry & research design: Choosing among five approaches. Sage.
Pratiwi, D., & Kurniawan, B. (2017). Pengaruh penerapan manajemen risiko terhadap kinerja keuangan industri perbankan. Akuntansi Bisnis, 10(1), 73–94. https://doi.org/http://dx.doi.org/10.30813/jab.v10i1.988
PT Bank Central Asia Tbk. (2024). Laporan Tahunan 2024. Jakarta: PT Bank Central Asia Tbk.
Sari, M., Hanum, S., & Rahmayati, R. (2022). Analisis Manajemen Resiko Dalam Penerapan Good Corporate Governance : Studi pada Perusahaan Perbankan di Indonesia. 6(April), 1540–1554. https://doi.org/https://doi.org/10.33395/owner.v6i2.804
Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Lelo, R. K., Man, S., & Lejap, H. H. T. (2025). Risiko Keuangan: Bagaimana Pengaruhnya Terhadap ROA?. Economics and Digital Business Review, 7(1), 246-260. https://doi.org/10.37531/ecotal.v7i1.2502.
Kristanti, I. N. (2025). Analisis Determinan Kinerja Bank dan Dampaknya pada Nilai Perusahaan di Negara Asean (Doctoral dissertation, Universitas Islam Indonesia).
Agustin, M. (2024). Pengaruh Good Corporate Governance dan Manajemen Risiko Terhadap Kinerja Keuangan (Suatu Studi Kasus Pada Perusahaan PT. Bank Central Asia Yang Terdaftar di Bursa Efek Indonesia Tahun 2013-2022) (Doctoral dissertation, Muchlisa Agustin).
Dewi, A. A. I. A., Sudana, I., & Suardani, A. A. P. (2023). Pengaruh Good Corporate Governance dan Manajemen Risiko terhadap Kinerja Keuangan Perusahaan (Studi Empiris pada Perusahaan Subsektor Perbankan yang Terdaftar di BEI tahun 2012-2021) (Doctoral dissertation, Politeknik Negeri Bali).
Rahman, J., Aisah, A. N., Astutik, N. A. B., & Sumual, A. K. (2025). Efektivitas Penerapan Manajemen Risiko pada PT Bank Central Asia Tbk. dalam Menjaga Stabilitas dan Kinerja Keuangan Perusahaan. Journal of Economics, Management, and Accounting, 1(2), 134-141. https://doi.org/10.65310/y1s73h40.
Tadarus, R. I., & Sholeh, A. N. (2022). Analysis of Bank's Financial Performance Using The RGEC at PT. Bank Central Asia Tbk from 2017 to 2021. Indonesian Financial Review, 2(2), 116-133. https://doi.org/10.55538/ifr.v2i2.20
Savitri, S., Mustika, I. G., & Rusliawati, R. (2024). Analisis Tingkat Kesehatan Bank Dengan Metode RGEC Terhadap Sustainability Reporting PT Bank Central Asia yang Terdaftar di BEI pada Tahun 2021-2023. Journal of Mandalika Literature, 5(4), 802-811. https://doi.org/10.36312/jml.v5i4.3553.
Aminudin, A., Gursida, H., & Indrayono, Y. (2025). Implementation of Good Corporate Governance, Risk Management, and Financial Digitalization on Bank Performance and Their Impact on Firm Value. Return: Study of Management, Economic and Bussines, 4(10), 821-829. https://doi.org/10.57096/return.v4i10.410.
Gani, R., Utiarahman, N., & Mobonggi, S. R. (2021). Liquidity and Solvency Prospect Analysis at PT Bank Central Asia Tbk. European Journal of Research Development and Sustainability, 2(12), 80-97.
Yuningsih, S. H., Saputra, M. P. A., & Halim, N. A. (2024). Strategic Transformation at PT Bank Central Asia Tbk: Lessons in Market Adaptation and Leadership. International Journal of Ethno-Sciences and Education Research, 4(3), 80-86. https://doi.org/10.46336/ijeer.v4i3.720.
Ahsana, H., & Swandari, F. (2024). The Effect of Risk Management Implementation on Financial Performance at Kalteng Development Bank Kuala Kapuas Branch. Asian Journal of Management, Entrepreneurship and Social Science, 4(03), 1771-1789. https://doi.org/10.63922/ajmesc.v4i03.1041.
Wildan, W., Maulana, T. R., Kuswardhana, T., & Leon, F. M. (2024). Corporate Value of ASEAN-2 Banks: The Impact of Risk Management and Corporate Governance. Jurnal Ilmu Keuangan dan Perbankan (JIKA), 13(2), 335-354. https://doi.org/10.34010/jika.v13i2.12646.
Rahayu, S., Soetjipto, K. S., Arifin, A., & Zen, A. B. (2024, July). the Effect of Risk Management Implementation on Return on Assets of Indonesian Conventional Commercial Banks After the Covid 19 Pandemic in the Digital Economy Era. In Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities (Vol. 7, pp. 1247-1264). https://doi.org/10.34010/icobest.v7i.636.
Adrian, F. (2025). Analysis of Bank Efficiency in Indonesia Based on Financial Ratios. Eduvest-Journal of Universal Studies, 5(8), 10481-10499. https://doi.org/10.59188/eduvest.v5i8.51270.
Pangestuti, D. C., Muktiyanto, A., & Geraldina, I. (2024). Optimizing firm performance through contingency factors, enterprise risk management, and intellectual capital in Southeast Asian mining enterprises. Investment Management and Financial Innovations, 21(2), 355-369.
Maulana, A., & Luthfi, N. F. (2025). Financial risk management, capital adequacy, and stability of Islamic banks: The moderating effect of efficiency in the Indonesian and Malaysian context. Banks and Bank Systems, 20(3), 249.
Alfarizi, R., Satrio, A. J., Praseyto, Y. O., & Syahputra, M. F. (2024). Analisis Perkembangan Teknologi M-Bca Dan Keamanan Siber Di Bank Central Asia. Jurnal Akademik Ekonomi Dan Manajemen, 1(4), 43-53. https://doi.org/10.61722/jaem.v1i4.3204.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Cathrine Christine Damanik, Muhammad Bilal Al Islami, Yohanes Novandi Kurniawan Lazuardi, Alvianus Kristian Sumual (Author)
This work is licensed under a Creative Commons Attribution 4.0 International License.
