The Effectiveness of Risk Management Implementation at PT Bank Central Asia Tbk. in Maintaining the Company's Financial Stability and Performance
DOI:
https://doi.org/10.65310/y1s73h40Keywords:
Risk Management, Financial Stability, Bank Performance, Liquidity, BCAAbstract
This study is motivated by the importance of implementing risk management in maintaining the stability and financial performance of PT Bank Central Asia Tbk (BCA) as one of the largest banks in Indonesia facing exposure to credit, market, liquidity, and operational risks amid the development of banking digitalization. A descriptive-analytical qualitative approach was used to examine the effectiveness of risk mitigation strategies, internal policies, and the role of corporate governance based on an analysis of official documents, BCA financial reports, and previous research findings. The results of the study show that BCA's risk management has been effective, as reflected in the low NPL ratio, CAR that is well above the minimum requirement, stable LDR, and increased operational efficiency through a reduction in BOPO. Previous studies by Setyarini and Pratiwi (2023), Sariputra (2025), Purnama (2022), Fitria (2025), Sudrajat et al. (2024), and Parung et al. (2023) reinforce the finding that the implementation of comprehensive risk management at BCA is able to maintain profitability, control credit risk, and strengthen competitiveness through digital innovation and governance strengthening. The conclusion of the study confirms that the effectiveness of risk management is a major factor that supports the stability and sustainability of BCA's financial performance, as well as serving as a strategic foundation in facing economic dynamics and digital transformation in banking
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Copyright (c) 2025 Juanita Rahman, Ayu Nor Aisah, Nabela Ariyaninda Budi Astutik, Alvianus Kristian Sumual (Author)
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