BCA Comments on Potential Changes to Deposit Interest Rates

PT Bank Central Asia Tbk. has stated that banking liquidity conditions will be a consideration in the movement of deposit interest rates. “At BCA, the liquidity condition is currently solid,” said BCA EVP Corporate Communication & Social Responsibility Hera F. Haryn in a written statement on Friday, 24 July 2026. BCA’s deposit interest rates as of 1 April 2026 are in the range of 2.75 to 3 per cent. A yield of 2.75 per cent is offered for placements of less than Rp 10,000,000 to less than Rp 2,000,000,000 for tenors of 1 and 2 months. Meanwhile, a yield of 3 per cent applies for tenors of 6 and 12 months or deposits of at least Rp 2 billion. Responding to the current yield levels, Hera stated that BCA will always review deposit interest rates periodically by considering various factors. Hera explained that the movement of third-party funds (DPK) and bank lending rates is influenced by Bank Indonesia’s benchmark interest rate. The movement is also influenced by other factors such as credit demand, credit quality trends, and banking liquidity conditions. BCA’s liquidity and funding condition in the first quarter of 2026 was reflected in a loan-to-deposit ratio (LDR) of 74.1 per cent, a net stable funding ratio (NSFR) of 159.9 per cent, and a liquidity coverage ratio (LCR) of 305.7 per cent. On the funding side, the company recorded current account and savings account (CASA) funds reaching Rp1,089 trillion, growing 11.2 per cent year-on-year (yoy). The CASA portion dominated approximately 85.2 per cent of BCA’s total third-party funds. According to the company, the increase in CASA is in line with the development of BCA’s transaction banking, including various digital and non-digital channels.