BNI Assesses Potential Impact of BI-Rate Hike on Loan Demand
Jakarta (ANTARA) - PT Bank Negara Indonesia (Persero) Tbk, or BNI, continues to monitor the potential impact of the benchmark interest rate (BI-Rate) increase on credit demand, especially from business sectors that are sensitive to changes in funding costs.
In this regard, the company stated that it will continue to adjust its business strategy in line with macroeconomic developments, the direction of monetary policy, and the financing needs of its customers.
“We are continuously strengthening governance, risk management, and digital capabilities to remain capable of providing the best services to customers while maintaining healthy and sustainable business growth. With such a strong foundation, BNI is optimistic that it can continue to support the real sector and contribute to Indonesia’s economic growth,” said BNI Corporate Secretary Okki Rushartomo in a statement in Jakarta on Wednesday.
Amidst interest rate dynamics, the company is strengthening its digital transformation to improve service efficiency and business processes. The use of digital technology is being implemented across various operational aspects, including the development of banking services, enhancing customer experience, and optimising credit processes to ensure they are faster, more effective, and remain grounded in the principle of prudence.
Furthermore, the company is strengthening the implementation of good corporate governance (GCG) and disciplined risk management to maintain asset quality and business resilience. The company also consistently monitors its credit portfolio, risk profile, liquidity, as well as developments in economic and market conditions as part of ongoing risk mitigation.
In general, the company views the 25 basis point (bps) increase in the BI-Rate to 5.50 per cent as a step to maintain macroeconomic stability amidst current global dynamic challenges. In line with these developments, the company will continue to perform its intermediation function selectively and productively to support the real sector.
Okki assessed that the monetary policy of Bank Indonesia (BI) reflects a measured response to maintain the stability of the rupiah exchange rate, control inflationary pressures, and strengthen market confidence in the national economic outlook.
“We view the BI-Rate increase as a necessary step to maintain national economic stability and strengthen investor confidence in Indonesia’s economic prospects. Maintained stability serves as an important foundation for the sustainable growth of both the real sector and the banking industry,” said Okki.
He added that macroeconomic stability is an essential prerequisite for the banking sector to continue performing its intermediation function in a healthy and sustainable manner. With more controlled market conditions, Okki stated that the bank has the space to maintain credit distribution in a prudent, selective, and productive manner.
The company will continue to monitor macroeconomic developments and the direction of monetary policy to ensure its business strategy remains adaptive. Supported by adequate capital, sufficient liquidity, and prudent risk management, the company reaffirms its commitment to maintaining sustainable performance while supporting the stability of the national financial system.