Bankir Cemas Likuiditas Kering di Era Suku Bunga Tinggi

Bank Indonesia’s benchmark rate stands at 5.75% in 2026, up 100 basis points, creating tight liquidity for banks. LPS Chairman Anggito Abimanyu said funding costs are rising and many banks are complaining about a “dry” liquidity situation. The interest‑margin net (NIM) fell to 4.36% in May from 4.56% at the end of 2025, and growth of third‑party funds slowed to 8.1% year‑on‑year in June (Rp9,718.8 trillion), down from 10.8% the month before.

BTN’s consumer banking director acknowledged the challenge, noting the bank is managing assets and liabilities amid the pressure. CEO Nixon Napitupulu said competition for liquidity is pushing banks to raise deposit rates, with small private banks offering higher bids. Perbanas chairman Hery Gunardi warned higher BI rates will increase deposit costs and hurt profitability. Bank Aladin Syariah CEO Koko Tjatur Rachmadi confirmed tight market liquidity and hopes the new BI governor will ease the situation, adding that higher rates may raise financing costs and lower asset quality. Bank Jatim reported rising deposit rates but said its liquidity remains ample for now.