Jakarta (ANTARA) - The Financial Services Authority (OJK) has recorded a strengthening of national banking liquidity following the government’s placement of Rp200 trillion in five state-owned banks under the State-Owned Banks Association (Himbara).

This improvement is reflected in the ratio of banking liquid assets to third-party funds (AL/DPK) and to non-core deposits (AL/NCD), both of which remain above regulatory thresholds.

“Banking liquidity remains relatively strong, as indicated by the AL/DPK and AL/NCD ratios staying above regulatory thresholds following the increase in third-party funds in state-owned banks on September 12. Banking liquidity has shown clear improvement,” said Dian Ediana Rae, OJK’s Executive Director for Banking Supervision, during a hearing with Commission XI of the Indonesian House of Representatives (DPR) in Jakarta on Wednesday.

As of September 12, 2025, after the government’s injection of Rp200 trillion, banking liquidity improved significantly, she explained.

The AL/DPK ratio rose from 24.01 percent on September 4 to 25.57 percent on September 12, while the AL/NCD ratio increased from 106.92 percent to 113.73 percent during the same period.

This improvement was primarily supported by state-owned banks, which recorded notable increases in both ratios.

Dian added that in August 2025, both credit growth and third-party funds (DPK) showed positive trends, reaching 7.56 percent year-on-year (yoy) for credit and 8.63 percent yoy for DPK. With these developments, the banking loan-to-deposit ratio (LDR) stood at 86.03 percent.

She assessed that these figures indicate the national banking sector currently has a strong liquidity buffer, supported by the government’s additional funds and healthy growth in liquid assets. “This shows that banks still have considerable room to channel credit in the future,” she said.

The government distributed Rp200 trillion through Bank Indonesia to five Himbara banks based on Minister of Finance Decree (KMK) Number 276 of 2025, effective September 12, 2025.

Of the total amount, BRI, BNI, and Bank Mandiri each received Rp55 trillion, BTN Rp25 trillion, and Bank Syariah Indonesia (BSI) Rp10 trillion.

Indonesia’s Finance Minister Purbaya Yudhi Sadewa said the placement of funds from the surplus budget balance (SAL) is expected to strengthen liquidity, encourage credit growth, and maintain balance between supply and demand in the financial system.

“So, I think when more money enters the system, two things happen. First, liquidity increases. That will gradually lead to lower market interest rates,” he explained.



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