Finance Minister Injects Rp 100 Trillion into State-Owned Banks, OJK: Eases Liquidity

JAKARTA, KOMPAS.com - The Financial Services Authority (OJK) states that the Finance Minister’s move to inject funds into the consortium of state-owned banks (himbara) will help ease liquidity.

OJK’s Executive Head of Banking Supervision, Dian Ediana Rae, explained that the policy will also suppress interest costs within the banking sector.

Recently, the special rate or higher special interest rate, usually offered by banks to large depositors, has fallen significantly.

“Thus, the competition among banks to vie for funds is not as fierce,” she said when met after the Oath-Taking Ceremony for Members of the Financial Services Authority Board of Commissioners, Wednesday (25/3/2026).

Dian explained that the effect of this fund placement will also help banks to follow the Bank Indonesia interest rate (BI rate) more quickly.

In general, Dian outlined that the main purpose of a bank is to provide credit.

In its course, when funds are used to purchase government securities (SBN), the nature is temporary.

“Well, it’s not left idle, right? It’s better to invest it at whatever percentage. But the ultimate goal of a bank is to provide credit,” Dian revealed.

From a business perspective, bank credit disbursement is also more profitable because the interest rates offered can be above 9-10 percent.

Thus, Dian views that banks may place funds in SBN while waiting for credit demand.

“For example, when the demand is sufficiently high later, it will no longer be used for that (SBN), perhaps it will be liquidated,” she stated.