ANALISIS KINERJA RISIKO LIKUIDITAS PADA PT BANK NEO COMMERCE Tbk SEBELUM DAN SESUDAH MENJADI BANK DIGITAL PERIODE 2018-2022

Abstract

This study aims to analyze of liquidity risk performance at PT Bank Neo Commerce Tbk before and after becoming a digital bank period 2018-2022. The study method used is descriptive with a quantitative approach. The data used is secondary data sourced from the annual financial statements of PT Bank Neo Commerce Tbk period 2018-2022. The data analysis method used is a liquidity risk assessment based on the Financial Services Authority Circular Letter Number 14/SEOJK.03/2017. The results showed that the cumulative liquidity risk performance of PT Bank Neo Commerce Tbk period 2018-2022 received a rating of 1 (Low), which means that the possibility of losses faced by banks from liquidity risk is very low. Reflected based on a good level of concentration of bank assets and liabilities. The liquid assets of PT Bank Neo Commerce Tbk are adequate by showing an increasing trend along with the growth rate of assets owned by the bank. The bank is able to fulfill its short-term funding obligations. Third Party Funds grew with the increase in customer deposits. PT Bank Neo Commerce Tbk is able to maintain the resilience of its liquidity adequacy both before and after becoming a digital bank.