Whether there is SAL, or whether SAL enters or exits, we have a\npolicy to maintain it between 92 to 95 per cent.<\/p>\n
Jakarta (ANTARA) - PT Bank Tabungan Negara (Persero) Tbk (BTN) has\nstated that the company will continue to maintain its loan-to-deposit\nratio (LDR) within the 92-95 per cent range, regardless of the placement\nof the government\u2019s Excess Budget Balance (SAL).<\/p>\n
LDR is a ratio that measures the extent to which third-party funds\n(DPK) collected by a bank are distributed as credit or financing.<\/p>\n
\u201cFrom year to year, we maintain BTN\u2019s LDR between 9[0] and 95 per\ncent. Whether there is SAL, or whether SAL enters or exits, we have a\npolicy to maintain it at 92 to 95 per cent,\u201d said BTN President Director\nNixon LP Napitupulu in Jakarta on Friday.<\/p>\n
Nixon hopes that the banking sector will begin to reduce competition\nfor funds, particularly deposits, following the decrease in SRBI\ninterest rates and a more manageable schedule for SAL withdrawals.<\/p>\n
According to him, the schedule for the return of SAL funds is now\nclearer, with some funds not due for return until mid-next year. This\ncondition is seen as providing more breathing room for member banks of\nthe State-Owned Banks Association (Himbara) in managing liquidity.<\/p>\n
\u201cThe placed funds have already been converted into credit. This gives\nus time to collect funds, so we are not in a rush or under pressure to\nquickly replace them. Consequently, we hope that in the future, deposit\ninterest rates, especially for time deposits, can begin to decrease.\nThat is our hope,\u201d he added.<\/p>\n
With the extension of the SAL return schedule, Nixon stated that the\ncompany has more time to prepare liquidity. Nevertheless, the company\nwill still endeavour to return funds according to the established\nschedule.<\/p>\n
\u201cWe have more time to prepare liquidity. One year is quite\nsignificant. So, we will certainly still endeavour to return the funds\naccording to the timeframe. However, we are also pleased that there is a\ndelay because it provides more space to reduce the \u2018war\u2019 for public\ndeposits,\u201d said Nixon.<\/p>\n
He noted that BTN has prepared liquidity in the event that a portion\nof the SAL funds is returned to the government this month, valued at\napproximately Rp5 trillion.<\/p>\n
\u201cActually, in July, we had accumulated up to Rp19 trillion. It turned\nout it was cancelled; we are happy (about the cancellation of the\ngovernment withdrawal). So, we are releasing it again, because of the\ninterest burden. Now, we are starting to withdraw it again slowly,\u201d said\nNixon.<\/p>\n
As of June 2026, BTN\u2019s consolidated credit and financing grew by 11.2\nper cent year-on-year (yoy) to Rp418.11 trillion. Meanwhile, third-party\nfunds (DPK) grew by 6.6 per cent (yoy) to reach Rp433.00 trillion.<\/p>\n
As of June 2026, BTN\u2019s LDR was recorded at 96.6 per cent, an increase\nfrom 92.6 per cent in the same period the previous year. Meanwhile,\ngross NPL improved to the 3 per cent level, while the cost of funds\n(CoF) remained maintained at around 3.01 per cent.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/whether-sal-exists-or-not-btn-maintains-ldr-within-92-95-per-cent-range-1788534150", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }