Ready to Support Government's Priority Programmes, Private Banks Assure They Will Maintain Business Independence

JAKARTA, KOMPAS.com - Private banks have assured that they will continue to support regulatory policies in promoting financing for the government’s priority programmes. However, in their implementation, they will uphold the principles of prudence and bank business independence. President Director of PT Bank Permata Tbk, Meliza M. Rusli, stated that her bank will comply with applicable regulations, particularly to support the government’s priority programmes. In the process, the bank will periodically conduct internal assessments of every new policy and maintain regular coordination with the regulator. In this way, the implementation of regulatory policies can be carried out while prioritising prudence, in line with the company’s vision and ambitions. “Permata Bank will always actively monitor the dynamics of regulatory policy developments and ensure compliance with every applicable regulation,” she told Kompas.com on Tuesday (21/4/2026). In agreement, Executive Vice President of Corporate Communication and Social Responsibility at PT Bank Central Asia Tbk (BCA), Hera F. Haryn, stated that the company continues to monitor all policies issued by the regulator and maintains coordination with the government. “We are committed to conducting business by upholding the highest principles of prudence through the application of disciplined risk management,” Hera told Kompas.com on Monday (21/4/2026). Meanwhile, Director of Risk, Compliance, and Legal at Allo Bank, Ganda Raharja Rusli, explained that regulatory policies essentially provide room for each bank to adjust their implementation according to their risk profile, business direction, and infrastructure capacity. Thus, Allo Bank can still provide its support for the government’s priority programmes but in a selective manner. “On that basis, the bank will certainly endeavour to participate in supporting the government’s priority programmes by reviewing the bank’s capabilities in that regard,” Ganda told Kompas.com on Tuesday. Addressing public concerns about the safety of funds in banking, Meliza assured that Bank Permata’s capitalisation and liquidity conditions are strong, giving the bank ample capacity to meet customer liquidity needs. As of the end of 2025, the Capital Adequacy Ratio (CAR) and CET-1 were recorded at 34.6 percent and 26.6 percent, respectively. Meanwhile, liquidity ratios such as the Liquidity Coverage Ratio (LCR) reached 296.5 percent and the Net Stable Funding Ratio (NSFR) stood at 126.8 percent, well above the minimum requirements. Meliza added that this strengthening of fundamentals is accompanied by a transparent communication strategy to maintain public trust amid concerns from some segments of society regarding the safety of funds in banking due to regulatory policies. “With transparent communication, reliable digital services, and consistent education, Permata Bank continues to strive to provide a sense of security and comfort for customers, while maintaining public trust in the national banking industry,” Meliza said. Meanwhile, BCA has reaffirmed that it will continue to conduct business by upholding the highest principles of prudence through the application of disciplined risk management.