<![CDATA[This study aims to comparatively analyze the financial performance of PT Bank Royal Indonesia and PT Bank Central Asia before and after the acquisition, which focuses on profitability and asset quality indicators, including ROA, ROE, NIM and NPL of both banks. This study employs a quantitative descriptive comparative method, with secondary data collected from both banks’ official annual reports, covering the pre-acquisition (2017-2019) and post-acquisition (2020-2022) periods.The findings indicate that the acquisition had a mixed impact. PT Bank Digital BCA (formerly PT Bank Royal Indonesia) improved in ROA and NPL, yet ROE and NIM remained volatile due to high transformation costs and the COVID-19 pandemic. Meanwhile, PT Bank Central Asia maintained stable profitability, confirming that the acquisition did not burden the parent company and supported its digital banking strategy.]]>
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