Analisis Investasi dan Manajemen Risiko Keuangan pada PT Bank Central Asia Tbk
DOI:
https://doi.org/10.61404/mutiara.v4i4.565Keywords:
Investment, Risk, Banking, PerformanceAbstract
Changes in the economic environment, digital transformation, and growing demand for banking services require banks to balance investment, risk management, and financial performance. This study analyzes investment strategies, financial risk management, the impact of risk on performance, and the balance between investment and risk at PT Bank Central Asia Tbk during 2021–2025. The study uses a descriptive method with a qualitative approach based on secondary data from financial statements, annual reports, sustainability reports, and risk management information. The analysis covers investment, credit, liquidity, market, and operational risks, as well as ROA, ROE, LDR, NPL, CAR, NIM, and BOPO ratios. The results show that PT Bank Central Asia Tbk investment expansion improved asset quality, efficiency, liquidity, and capitalization. In 2025, assets reached IDR 1,586.8 trillion, loans IDR 992.9 trillion, gross NPL 1.7%, CAR 29.8%, ROA 3.9%, ROE 23.3%, NIM 5.7%, and BOPO 41.6%. These findings indicate that integrated investment and risk management support sustainable performance.
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Copyright (c) 2026 Aulia Putri Maharani, Ciello Chikal Aurelia, Muhammad Daffa Mulyana, Riyas Rasyid Azis, Teghar Dwi Syafaat, *Yoyo Sudaryo, Eko Djoko Prabowo
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