{
    "success": true,
    "data": {
        "id": 1880927,
        "msgid": "bri-explains-why-savings-interest-rates-have-not-followed-bi-rate-1784969578",
        "date": "2026-07-25 15:10:00",
        "title": "BRI Explains Why Savings Interest Rates Have Not Followed BI-Rate",
        "author": "",
        "source": "TEMPO_ID_BISNIS",
        "tags": "",
        "topic": "Banking",
        "summary": "Bank Rakyat Indonesia (BRI) has clarified that its deposit interest rates are not solely determined by the central bank's benchmark rate. The bank's pricing strategy considers internal liquidity, funding structure, and market dynamics, with a focus on strengthening low-cost current account savings account (CASA) funding. A banking association representative noted that market liquidity and loan-to-deposit ratios also influence savings rates.",
        "content": "<p>Bank Rakyat Indonesia (BRI) has provided an explanation regarding\nsavings interest rates that have not yet followed the benchmark interest\nrate or BI-Rate. Currently, the BI-Rate stands at 5.75 percent.\nMeanwhile, BRI\u2019s deposit interest rates range from 2.5 to 3 percent for\nvarious tenors.<\/p>\n<p>BRI Corporate Secretary Dhanny stated that setting savings interest\nrates, including deposits, is part of the bank\u2019s funding management\nstrategy, which considers liquidity conditions, funding structure,\nmarket dynamics, and the company\u2019s business needs. \u201cPricing of funds is\ncarried out in a measured manner while still paying attention to the\ncost of funds efficiency and the principle of prudence in liquidity\nmanagement,\u201d Dhanny told Tempo on Friday, 24 July 2026.<\/p>\n<p>According to Dhanny, BRI\u2019s funding strategy is continuously directed\ntowards strengthening low-cost funds, specifically current account\nsaving accounts (CASA), as a more stable and efficient primary source of\nfunding. He mentioned that CASA strengthening is achieved through\nincreasing customer transactions, optimising digital services, and\nreinforcing the business ecosystem.<\/p>\n<p>Vice Chairman of the National Banks Association (Perbanas) Lani\nDarmawan stated that savings interest rates are influenced by market\nliquidity, which can lead to price competition. \u201cSo it is not solely\nbased on the BI-Rate,\u201d he said on Thursday, 23 July 2026.<\/p>\n<p>Furthermore, Lani noted that the ability to channel credit, or the\nloan-to-deposit ratio (LDR), is also increasing. This is because banks\nare currently striving to manage their net interest margins\nefficiently.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/bri-explains-why-savings-interest-rates-have-not-followed-bi-rate-1784969578",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}