Banks Asked to Support Government Programmes, BTN and BCA Assure Customer Funds Are Safe

JAKARTA, KOMPAS.com - The banking sector has assured that customer funds remain safe and are managed prudently amid banks’ involvement in supporting the government’s priority programmes in line with regulator directives.

Corporate Secretary of PT Bank Tabungan Negara (Persero) Tbk or BTN, Ramon Armando, emphasised that the bank continues to conduct business activities in accordance with regulator directives while prioritising the principle of prudence.

Any potential impacts from policies will be managed through strict internal risk management. This includes the implementation of a risk appetite framework, the presence of an independent credit committee, and the strengthening of capital and liquidity structures to ensure business expansion remains prudent.

“Banks fundamentally continue to follow the policies of the Financial Services Authority (OJK) and Bank Indonesia (BI), but limit their impacts through internal risk management,” he told Kompas.com on Monday (20/4/2026).

This situation has been anticipated by BTN through adequate liquidity reserves, access to funding from the central bank, and deposit protection by the Deposit Insurance Corporation (LPS).

Meanwhile, to maintain customer trust, the banking industry is also required to be transparent and responsive in conveying information, especially amid the prevalence of narratives that could lead to misconceptions.

“We emphasise that the banking system has layered protections, so fundamentally, customer funds remain safe and there is no need to withdraw them in panic,” he said.

In line with that, coordination with the government and relevant authorities is also being strengthened so that business activities continue to operate in accordance with the principle of prudence.

“We are committed to conducting business by upholding the principle of prudence with disciplined risk management,” said Hera to Kompas.com on Monday.

Most recently, OJK is preparing a Draft OJK Regulation (RPOJK) regarding adjustments to the Bank Business Plan (RBB).

OJK Commissioner Chairman Friderica Widyasari Dewi revealed that in the new regulation, OJK will design RBB provisions to further encourage banks to actively support government priority programmes.

“We are designing the RPOJK for adjustments to the RBB provisions. Within it, how we support banks to also engage more in government priority programmes,” she said at Menara Bank Mega, Jakarta, on Tuesday (7/6/2026).