Optimize Optimization Of Chances Of Lowering Benchmark Interest Rates, BNI Strengthens Funding And Digitization Structures

Illustration - Bank Negara Indonesia (BNI) Office. (Special)

JAKARTA - PT Bank Negara Indonesia (Persero) Tbk or BNI revealed a strategy to optimize the momentum of loosening monetary policy taken by Bank Indonesia. One of them is by strengthening the funding structure and encouraging digitalization.

BNI Corporate Secretary Okki Rushartomo said the reduction in the benchmark interest rate by 25 basis points to 5.25 percent was considered a major opportunity for credit growth and national economic recovery.

Not only that, Okki also said that the easing of monetary policy could expand access to financing to the community and business actors.

BNI is increasingly focused on optimizing the efficiency of the funding structure by strengthening transaction-based Current Account Saving Account (CASA). Digital channels are the main driver in expanding CASA while pressing costs of funds to remain competitive amid the trend of low interest rates," Okki said in an official statement, Sunday, July 20.

Okki said the efficiency step was also accompanied by lending to productive sectors through a measurable and selective approach.

According to him, BNI maintains the principle of prudence in lending so that asset quality is maintained, while at the same time producing optimal and sustainable yields.

In addition to strengthening funding and lending, BNI is also encouraging digital transformation to expand access to financing services. This digitization not only accelerates the credit process, but also creates added value beyond interest income.

"Digitalization not only cuts costs, but also creates new value in terms of fee-based income, thereby strengthening the overall revenue structure," he said.

With this strategy, continued Okki, BNI is optimistic that it can maintain Net Interest Margin (NIM) stability until the end of 2025.

On the other hand, Okki said that MSME actors and retail customers also benefit through easier, faster, and efficient access to financing, in line with the spirit of BNI to Accompany Every Step You.

"This BNI strategic step shows the company's commitment to supporting national economic growth through the provision of financial solutions that are inclusive, competitive, and sustainable," he said.