The High Risk Era, the Commissioner of the BPD Surviving Bank · Global Voices

The banking industry is in a risky era with the change in regulation and dynamic of economic conditions changing.

The Independent Commissioner of the Bank of Drum, M. Mas'ud Said, states that the board of the District Development Bank (BPD) can no longer run its usual business wheels.

According to him, the BPD manager needs to adapt through super-team agile, intelligent reading of market opportunities, as well as controlling potential risks.

"As many as 27 BPD in Indonesia is now charged with managing all internal potential rapidly, while responding to the more dynamic external challenges," says Mas'ud.

Mas'ud assesses, BPD must strengthen the defense in the midst of the complexity of external pressure, from the rate of cyber technology to global economic uncertainty.

The need for this rapid step is fought by a variety of current market rules and situations. In the regulatory sector, national banking is preparing to implement new adjustments, including plans for the Revolutions and Finance Act of the Financial Sector (P2SK), as well as the Roadmap Development and Restoration of Indonesian Warings (RlMI) 2026- 2026- 2030.

That adjustment aims to strengthen the management and stability of the real sector, although requires mature coordination readiness at the area level.

And so, BPD faced the limited challenge of a cheap deposit from the local government due to the rigor of the state budget, plus business competition and the ecosystem of the region's unique model.

Unlike the national banks or the BUMN, the BPD has a very close bond with my interests in each region.

The focused operational area of the province also makes BPD wise to expand, including limiting the opening of conventional branch offices to not be an operational burden ahead.

Through adaptive leadership, strengthening digital strategy, and focusing on efficiency, the Mas'ud optimized bank-local banks were able to get through this transition by continuing to give real benefits to the local economy.

In particular, Mas'ud highlights the Office of Development and Restoration Act in 2026 in the transformation of the local banking industry.

It explains that the P2SK amendment runs along with the adjustment of at least 10 other laws, including the change of the penal law to energy and minerals regulation. The pile of changing rules across this sector made banking legal landscape even more complicated to navigate.

The point that has to be underlined in the P2SK amendment is the certainty of legal protection and the restorative approach of justice for banking professionals.

This new rule is expected to provide firm corridors to distinguish deliberate actions in order to enrich yourself, and strategic business decisions to improve corporate performance.

"Without a fair legal protection, the banking professionals can doubt and slow in their decision making. In fact, today's market dynamics demands courage and a quick move," Mas'ud. "

This P2SK amendment was encouraged to clear the role, and strengthen the synergy of the three major pillars of national banking, which is the Indonesian Bank (BI), the Financial Services Authority, and the Security Institute.

In addition to setting up laws and institutionality, the P2SK amendment pays attention to the competition for the development of digital financial institutions and the crypto assets that are now officially entering the banking ecosystem.

Regulations need believed to be more urgent, with almost 90 percent of the BPD being transformed into digital services.

Mas'ud reminded the importance of cyberinfrastructure readiness, covering hardware, software, to the capacity of SDM, so that BPD has solid endurance in the face of digital financial crimes.

Through the absolute certainty of the law in the P2SK amendment and the reinforcement of digital forts, BPD is expected to be protected while making strategic decisions, also has a high power to continue growing.

The next BPD challenge includes operational risk escalation and the growing impact of political dynamics in the 2026 period to the future political experience.

Mas'ud assesses, local banking must now fight with the complexity of new risks triggered by digital transformation acceleration, expanding the power of financial products, to the tagging of law obedience.

"In addition to the risk of cyberactivity and digital survival, BPD needs to pay serious attention to the legal risk of compliance, the risk of reputation of potential illegal activity, as well as the risk of credit in the UMKM sector and the real sector,

According to Mas'ud, residency or endurance becomes the main point. To cite the principles of psychological endurance and organization, the residency is not just the ability to survive the crisis, but the capacity to adapt rapidly, to rise back from the difficult times, to grow stronger.

In order to reach that level of resilience, the BPD must continue to increase its rival power. In today's banking market, the fighting power is defined as the ability to appear superior and be a leader among the different banking groups.

"Business environment changed very fast and hard. To be able to live and grow continuously, the BPD had no choice but to strengthen its internal endurance and improve its competitive advantage in the market," said Mas'ud.

Another issue under Mas'ud is a case of civil service management. He called, the plan to divert to the ranks of Himbara Bank or through the Operation Village (Copdes) the Red White had a chance to trigger a heated discussion at the board of directors and local bank commissioner.

Mas'ud reminded us that the ASN monthly paychecks are a very sensitive thing, both from time precision and service quality.

The delay in payment, even in a matter of hours, potentially triggers discontent in k..