Al Yasini: Jurnal Keislaman, Sosial, Hukum dan Pendidikan
Vol 11 No 02 (2026)

Analisis Manajemen Strategi PT Bank Central Asia Tbk Menjaga Dominasi CASA dengan Pendekatan SWOT, SPACE, BCG, IE Matrix, dan Grand Strategy Matrix

Lintar Novianti Watanaya (Ubaya School of Management, Universitas Surabaya, Indonesia)



Article Info

Publish Date
01 Mar 2026

Abstract

This study aims to analyze the strategic management of PT Bank Central Asia Tbk in maintaining its dominance in the Current Account Savings Account (CASA) segment amid increasingly intense competition in Indonesia’s banking industry. The analysis employs several strategic management tools, including PEST analysis, Porter’s Five Forces, Value Chain analysis, TOWS Matrix, SPACE Matrix, BCG Matrix, IE Matrix, Grand Strategy Matrix, and QSPM, to identify the bank’s internal and external strategic position and formulate appropriate strategic alternatives. The results indicate that the bank possesses strong financial performance, high liquidity, efficient operational capabilities, and advanced digital innovation that support its competitive advantage. The CASA segment functions as a key pillar in sustaining low-cost funds and strengthening profitability. The recommended priority strategy is market development, particularly through expanding services to micro and rural segments, strengthening digital ecosystems, and collaborating with fintech to capture new growth opportunities. This study contributes to a deeper understanding of how digital transformation, customer-centric services, and strategic market expansion can sustain competitive advantage in a mature and highly regulated banking industry

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Journal Info

Abbrev

alyasini

Publisher

Subject

Description

Focus and Scope Al Yasini: Jurnal Keislaman, Sosial, Hukum dan Pendidikan adalah jurnal akses terbuka yang berdedikasi untuk mempublikasikan riset multidisiplin dan interdisipliner dengan fokus pada integrasi nilai-nilai keislaman, dinamika sosial, pembaruan hukum, dan inovasi pendidikan. Jurnal ini ...