Indonesia's OJK Outlines 2 Impacts of Rp200 Trillion Fund Flow to State Banks

September 16, 2025 | 03:17 pm

TEMPO.CO, Jakarta - The Financial Services Authority (OJK) is closely monitoring the influx of Rp200 trillion to the five member banks of the Association of State-Owned Banks (Himbara). Mahendra Siregar, Chair of the OJK Board of Commissioners, stated that two impacts have emerged: an increase in liquidity and an enhanced ability of banks to channel credit.

“Firstly, in terms of liquidity, the influx of Rp200 trillion has improved the liquidity position of the Himbara banks,” said Mahendra following a meeting with Minister of Finance Purbaya Yudhi Sadewa at the central office of the Directorate General of Taxation, Jakarta, on Tuesday, September 16, 2025.

Technically, Mahendra explained that the ratio of liquid assets to third-party funds (AL/DPK) had increased. Previously, several banks had a liquid asset ratio below 20 percent. With the influx of Rp200 trillion, the ratio is now above 20 percent. According to Mahendra, a ratio above 20 percent is a good threshold for measuring a bank's liquidity.

Second, it's evaluated based on credit distribution. Mahendra said, "From the bank's perspective, its ability to disburse loans and credit has also improved."

He stated that the government's injection of funds had caused the loan to third-party funds (DPK) ratio or the loan to deficit ratio (LDR) of the bank to decrease. According to him, some Himbara banks previously had an LDR of over 90 percent.

"With the Rp200 trillion fund influx, their LDR has now decreased to below 90 percent, providing them with a larger room to provide loans and credit to debtors who submit proposals,” he said.

The government placed money in five banks, namely Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Mandiri, Bank Tabungan Negara (BTN), and Bank Syariah Indonesia (BSI). The amount is regulated based on the bank's size. The government has stored Rp55 trillion each in BRI, BNI, and Bank Mandiri. Then, Rp25 trillion is stored in BTN, and Rp10 trillion in BSI.

The funds represent half of the government's money deposited in Bank Indonesia. Minister Purbaya urged the five Himbara banks to consider ways to distribute the funds. The minister, who took office on September 8, is confident that the placement of state funds will boost lending and drive economic growth.

Purbaya stated that state-owned banks are filled with individuals who understand how to utilize the government's deposits. "Basically, I told them (the banks) to think for themselves, as they are smart people," he said at the Directorate General of Taxation office in Jakarta, on Tuesday, September 16, 2025.

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