The influence of investment policy on financial performance. Case study: Bank BCA Aprilian Lahamido, I Nengah Smara Putra, Putri Dea Rizky.
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Abstract
This study aims to analyze the effect of investment policy on the financial performance of Bank Central Asia (BCA) with a focus on financial ratios, namely Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). Investment policy is an important decision that affects the allocation of funds in various assets, which can have an impact on the profitability and financial stability of the bank. The research method used is a quantitative approach with a descriptive and causal design, relying on secondary data from Bank BCA^s financial statements for the period 2019-2023. The results of the study are expected to provide a better understanding of how the right investment policy can improve the bank^s financial performance. These findings are expected to be a guide for bank management in making strategic investment decisions to achieve sustainable growth. This study also emphasizes the importance of risk analysis and portfolio diversification in the banking context to minimize risk and maximize returns.
Keyword : Investment Policy, Financial Performance, Bank Central Asia, Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), Portfolio Diversification, Risk Analysis, Profitability.
