STRENGTHENING THE ROLE OF TREASURY OPERATIONS IN BANK LIQUIDITY MANAGEMENT: EVIDENCE FROM IPAK YULI BANK

Abstract

Liquidity management is one of the key determinants of banking stability and sustainable growth. Treasury operations play a central role in maintaining optimal liquidity levels by managing cash flows, funding sources, and liquidity risks. This study investigates the contribution of treasury operations to liquidity management using the case of Ipak Yuli Bank. The research applies comparative analysis, financial ratio analysis, and trend evaluation methods. The findings indicate that strengthening treasury operations improves liquidity planning, increases deposit mobilization, and enhances the bank’s ability to withstand liquidity shocks. The study proposes practical recommendations for improving treasury management through digital technologies, forecasting models, and diversified funding sources.