BCA Comments on Potential Changes to Deposit Interest Rates

PT Bank Central Asia Tbk stated that banking liquidity conditions will be a consideration in the movement of deposit interest rates. “At BCA, liquidity conditions are currently recorded as solid,” said Hera F. Haryn, EVP of Corporate Communication & Social Responsibility at BCA, in a written statement on Friday, 24 July 2026.

BCA’s deposit rates as of 1 April 2026 stood 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 up to less than Rp 2,000,000,000 for tenors of one and two months. Meanwhile, a yield of 3 per cent applies to six and twelve-month tenors or deposits of a minimum of Rp 2 billion.

Responding to the current rate levels, Hera said BCA will always review its deposit interest rates periodically, taking into account various factors.

Hera explained that the movement of third-party funds (DPK) and bank lending rates is influenced by Bank Indonesia’s benchmark rate. Their movement is also influenced by other factors such as credit demand, credit quality trends, and banking liquidity conditions.

As quoted from Antara, BCA’s liquidity and funding conditions in the first quarter of 2026 are 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 bank recorded current account and savings account (CASA) funds of Rp1,089 trillion, growing 11.2 per cent year on year. CASA accounts for approximately 85.2 per cent of BCA’s total third-party funds. According to the bank, the rise in CASA is in line with the development of BCA’s transaction banking business, including through various digital and non-digital channels.