{
    "success": true,
    "data": {
        "id": 1594621,
        "msgid": "hery-gunardi-outlines-banking-strategy-to-tackle-global-economic-uncertainty-1772859539",
        "date": "2026-03-07 11:29:07",
        "title": "Hery Gunardi Outlines Banking Strategy to Tackle Global Economic Uncertainty",
        "author": "",
        "source": "ANTARA_ID",
        "tags": "",
        "topic": "Banking",
        "summary": "Hery Gunardi, chairman of PERBANAS and Chief Executive of BRI, says Indonesian banks remain resilient amid increasingly complex global dynamics, outlining risk mitigation measures at the CFO PERBANAS forum in Jakarta. He notes solid fundamentals with January 2026 credit growth at 9.96% year-on-year, third-party funds up 10.8%, NPL around 2.14%, and a CAR of about 25.9%, while warning that geopolitical tensions and higher operating costs could pose risks and banks should strengthen risk management, liquidity buffers, and FX hedging to support exporters and importers.",
        "content": "<p>Jakarta (ANTARA) \u2013 The President of PERBANAS and also the President\nDirector of Bank Rakyat Indonesia (BRI), Hery Gunardi, stated that amid\nincreasingly complex global economic dynamics, the Indonesian banking\nindustry is still showing strong resilience. However, several\nanticipatory strategies need to be prepared to maintain financial sector\nstability and sustain growth going forward. This was conveyed by Hery\nGunardi at the CFO PERBANAS forum themed \u201cDriving Acceleration with\nAccountability,\u201d held in Jakarta on Friday, 6 March. In his\npresentation, Hery Gunardi explained that the fundamentals of the\nnational banking industry through early 2026 remain solid. This is\nreflected in January 2026 credit growth of 9.96% year-on-year (YoY),\nhigher than the 2025 level around 9.63% YoY. At the same time,\nThird-Party Funds (DPK) grew by 10.8% (YoY). The Non-Performing Loan\n(NPL) ratio remained in the vicinity of 2.14%. Meanwhile, the industry\u2019s\ncapital resilience remains strong with a Capital Adequacy Ratio (CAR) of\naround 25.9%. \u201cSome profitability indicators are facing moderate\npressure as operating costs rise. Nevertheless, banks must remain\nvigilant. Although the overall banking sector outlook remains fairly\npositive, we must stay anticipative of various potential risks ahead,\u201d\nhe said. According to Hery, prolonged global geopolitical tensions could\ndrive energy inflation and food prices, suppress consumer purchasing\npower, and slow economic activity. At the same time, economic\nuncertainty could also weigh on the performance of the business sector,\npotentially elevating NPL risk, which would ultimately require banks to\nbe more selective in lending and to strengthen risk management and asset\nquality. Therefore, Hery noted that the banking industry needs to\nstrengthen various risk mitigation measures to maintain financial sector\nstability. Specific mitigation protocols must be prepared by banks.\nFirst, strengthen risk management by conducting sectoral stress tests on\nportfolios in sectors such as transportation, logistics, and\nmanufacturing that are highly dependent on fuel, establishing an early\nwarning system for worsening NPL, and tightening credit discipline and\nrisk-based pricing. Second, banks need to ensure adequate liquidity to\nface potential capital flow volatility by strengthening the Liquidity\nCoverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). There is no\nalternative: banks must have sufficient cash flow buffers. Third,\nIndonesian banks must manage exchange rate risk and foreign exchange\nliquidity by keeping a conservative net foreign exchange position (PDN),\nstrengthening hedging strategies for FX exposure, and managing foreign\ncurrency maturity mismatches. According to Hery, these steps are\nimportant to ensure the availability of FX liquidity for strategic\nsectors, including exporters and importers, to maintain smooth national\ntrade activity. In line with Hery Gunardi, OJK Deputy Commissioner for\nRegulations, Licensing and Quality Control, Deden Firman Hendarsyah,\nstated that the national banking sector remains fairly resilient,\nparticularly from the capital indicators. \u201cSimilarly, liquidity\nconditions are ample and all major indicators are above the regulator\u2019s\nminimal thresholds,\u201d Deden concluded.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/hery-gunardi-outlines-banking-strategy-to-tackle-global-economic-uncertainty-1772859539",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}