Jakarta (ANTARA) - PT Bank Rakyat Indonesia (Persero) Tbk (BRI) has\nstated that the company will continue to maintain liquidity with\ndiscipline entering the second half of 2026, primarily by aligning\ncredit growth with fund collection capacity.<\/p>\n
\u201cWe will continue to implement this strategy to strengthen low-cost\nfunds. We also have several anchor clients to ensure our funding\nstructure remains healthy and efficient,\u201d said BRI Deputy President\nDirector Viviana Dyah Ayu RK, during a press conference in Jakarta on\nMonday.<\/p>\n
Viviana noted that the company remains vigilant regarding liquidity\ndynamics and risks until the end of 2026, even though national banking\nliquidity currently remains at an adequate level.<\/p>\n
The banking industry\u2019s Loan-to-Deposit Ratio (LDR) as of June 2026\nwas recorded at 88.3 per cent. Meanwhile, BRI\u2019s own LDR stood at 90.8\nper cent during the same period.<\/p>\n
Viviana explained that the LDR indicator is important to monitor as\nit illustrates the liquidity position alongside other ratios such as the\nLiquidity Coverage Ratio (LCR).<\/p>\n
\u201cIf we look at the industry figure of 88.3 per cent and BRI\u2019s 90.8\nper cent, we can say that national banking liquidity is still at an\nadequate level. However, we must remain vigilant regarding liquidity\ndynamics until the end of the year,\u201d said Viviana.<\/p>\n
By the end of the second quarter of 2026, BRI\u2019s total credit\ndistribution grew by 16.2 per cent year-on-year (yoy) to Rp1,645.5\ntrillion.<\/p>\n
Meanwhile, third-party funds (DPK) reached Rp1,580.7 trillion,\nrepresenting a growth of 6.7 per cent (yoy).<\/p>\n
BRI\u2019s Current Account Savings Account (CASA) ratio was recorded at\n67.6 per cent, an increase from 65.5 per cent in the same period the\nprevious year.<\/p>\n
More specifically, savings grew by 11.3 per cent (yoy) to reach\nRp619.1 trillion, while current accounts grew by 8.5 per cent (yoy) to\nreach Rp449.6 trillion.<\/p>\n
This increase in the composition of low-cost funds has had a positive\nimpact on the cost of funds, which recorded a decrease of 0.7 per cent,\nfalling from 3.0 per cent at the end of the second quarter of 2025 to\n2.4 per cent at the end of the second quarter of 2026 (bank only).<\/p>\n
Meanwhile, BRI Director of Finance & Strategy, Achmad Royadi,\nstated that the company considers an LDR of 90.8 per cent to be an ideal\nlevel for performing banking intermediation functions.<\/p>\n
Regarding capital, BRI\u2019s Capital Adequacy Ratio (CAR) in the second\nquarter of 2026 was recorded at 21.5 per cent, well above regulatory\nrequirements.<\/p>\n
\u201cWith well-managed liquidity and strong capital, BRI has an adequate\nfoundation to continue healthy and sustainable growth, while maintaining\nthe principle of prudence and balancing growth, asset quality,\nliquidity, capital, and, of course, profitability,\u201d said Achmad.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bri-to-maintain-disciplined-liquidity-entering-second-half-of-2026-1788170934", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }