BI Rate Rises to 5.25 Per Cent: Here's How the National Banking Sector Responded
JAKARTA, KOMPAS.com - Several banks view Bank Indonesia’s decision to raise the policy rate (BI Rate) by 50 basis points to 5.25 per cent as a pre-emptive measure to safeguard the rupiah’s stability and the financial system amid global uncertainty.
BTN Corporate Secretary Ramon Armando said the banking industry essentially has been ready to face various monetary policy scenarios, including potential increases in the policy rate. It said that each bank has adequate risk management and routinely conducts stress tests on the impact of BI Rate increases, particularly on higher funding costs.
Similarly, Dhanny, Corporate Secretary of PT Bank Rakyat Indonesia (Persero) Tbk or BRI, said the BI Rate increase is a forward-looking step by the central bank to maintain stability of the rupiah and national economic resilience. BRI views domestic economic fundamentals as still resilient, supported by economic growth, contained inflation, and positive consumer demand.
‘BRI welcomes the BI’s move to maintain macroeconomic and financial system stability through the adjustment of the BI Rate by 50 basis points,’ he told Kompas.com on Wednesday.
Di sisi lain, BRI akan menjaga keseimbangan antara pertumbuhan bisnis, kualitas aset, likuiditas, dan profitabilitas secara berkelanjutan untuk merespons kenaikan BI Rate tersebut.
The corporation also strengthens its funding structure through higher low-cost funds (CASA) and the strengthening of the transaction banking ecosystem to maintain funding cost efficiency.
‘BRI ensures intermediation functions operate with selective growth while continuing to prioritise prudence, especially in lending to the MSME segment and productive sectors,’ Dhanny said.
Sementara itu, Wisnu Sunandar, Corporate Secretary of PT Bank Syariah Indonesia (Persero) Tbk or BSI, said the BI Rate rise is necessary to maintain stability of the national financial system in the medium to long term.
‘We view Bank Indonesia’s decision to raise the BI-Rate as a pre-emptive and forward-looking step to maintain macroeconomic stability,’ Wisnu told Kompas.com on Wednesday.
He noted that, at present, on the fundamental side, liquidity in Islamic banking remains well maintained, supported by growth in third-party funds (DPK), adequate liquidity, and prudent asset-liability management (ALM).
As of March 2026, BSI’s DPK stood at Rp 376.80 trillion, up 18 per cent year on year, with low-cost funds (CASA) amounting to Rp 236.2 trillion.
In terms of financing, BSI reported financing disbursement of Rp 329 trillion, up 14.39 per cent year on year, with the gross non-performing financing (NPF) ratio improving to 1.8 per cent.