This Is What Citi Indonesia Said About The Government Adding IDR 76 Trillion Fund Placement To Banking

Rupiah (Photo: antara)

JAKARTA - The government through the Ministry of Finance (Kemenkeu) has again increased the placement of funds in a number of banks since November 10, 2025, with a total of IDR 76 trillion.

As for the details, Bank Mandiri, BRI and BNI each received an allocation of IDR 25 trillion, while Bank DKI received a placement of IDR 1 trillion.

With this addition, the total government funds transferred from Bank Indonesia (BI) to banks have now reached Rp276 trillion.

Citibank, NA, Indonesia (Citi Indonesia) also commented on this. According to Citi Indonesia Chief Economist Helmi Arman, the transfer of funds to banks will create a fairly large banking liquidity ratio, even after the COVID-19 pandemic.

"Indeed, along with various policies such as KLM (Macroprudential Liquidity Incentives) and also the transfer of government funds from BI to accounts in national banks, this year there was a fairly large creation of banking liquidity," Helmi said when met after the press conference. Citi Indonesia Economics and Financial Performance Quarter III-2025 in Jakarta, Tuesday, November 18.

"And maybe the biggest after the COVID-19 period, maybe IDR 400 trillion, yes," he continued.

Helmi assessed that additional liquidity from government funds would increase the capacity of bank credit. The reason is, there are still certain banks whose credit disbursement capacity is still on hold.

"Seharusnya dengan penambahan likuiditas ini, rasio-ratio likuiditas perbankan itu membaik, sehingga meningkatkan kapasitas untuk penyaluran kredit. Karena mungkin bank-bank tertentu kapasitas penyaluran kreditnya selama ini somewhat tertahan oleh rasio likuiditas yang mendekat borderline," terangnya.

When asked further whether there is a possibility that the government will increase the placement of funds in other banks next year, Helmi believes there is such a possibility.

"The liquidity should gradually spread to the entire system. Because along with the addition of credit, the creation of new credit is essentially the creation of new money. And when the credit given is used or spent, it should spread," said Helmi.

"So, it is not only concentrated in certain banks, but rather spreads to the system," he concluded.