BRI Boss Disbursed The Impact Of Cutting Interest Rates Into The Banking Industry

BRI President Director Hery Gunardi. (Photo: Doc. ANTARA)

JAKARTA - President Director of PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) or BRI Hery Gunardi welcomed the policy of cutting the benchmark interest rate by Bank Indonesia (BI).

Hery said that cutting interest rates helped the banking industry.

Just so you know, BI cut the benchmark interest rate (BI-Rate) by 25 basis points (bps) based on the results of the Board of Governors' Meeting (RDG) on Wednesday, August 20, 2025.

Hery explained, since January 2025, BI has cut BI-Rate by 100 bps to 5.00 percent in August 2025.

The BI-Rate cut is also in line with the reduction in interest rates between banks to 4.68 percent as of August 20, 2025.

"The decline in interest rates also helped reduce banking funding costs, support credit efficiency and expansion," said Hery at the Hearing Meeting (RDP) with Commission VI at the Parliament Complex, Senayan, Jakarta, which was monitored online on Thursday, August 21.

According to him, BI is taking a policy that is in favor of domestic economic growth. In the future, Hery is optimistic that the domestic economy will be maintained, supported by accommodators from regulators and the government.

In terms of the outlook for the banking industry, Hery said, banking liquidity shows a growth trend of Third Party Funds (DPK). DPK growth rose by 7 percent on an annual basis (yoy) in July 2025.

Meanwhile, the Loan to Deposit Ratio (LDR) of banking decreased to 86.5 percent.

"We see that banking liquidity is getting better, yes, along with the increase in DPK growth and also the decline in interest rates," he said.

He added that the ratio of liquidity tools to DPK illustrates the readiness of banks to disburse customer funds.

Even so, the ratio was depressed, then increased until July 2025.

"The ratio of liquidity equipment to DPK also increased by 27.1 percent, showing the readiness of banks to meet liquidity needs," he concluded.

Previously, BI decided to lower the benchmark interest rate or BI-Rate by 25 bps to 5.00 percent.

Selain itu, BI juga menurunkan suku bunga deposit facility dan suku bunga lending facility sebesar 25 bps, sehingga masing-masing menjadi 4,25 persen dan 5,75 persen.

Gubernur BI Perry Warjiyo mengatakan, BI memutuskan untuk menurunkan suku bunga acuan di level 5,00 persen.

"Rapat Dewan Gubernur (RDG) Bank Indonesia pada 19 dan 20 Agustus 2025 memutuskan untuk menurunkan BI-Rate sebesar 25 bps menjadi 5,00 persen," ungkap Perry dalam konferensi pers, Rabu, 20 Agustus.

In addition, BI also lowered the deposit facility interest rate and lending facility rate by 25 bps, bringing it to 4.25 percent and 5.75 percent, respectively.

BI Governor Perry Warjiyo said BI decided to lower the benchmark interest rate at the level of 5.00 percent.

"The Meeting of the Board of Governors (RDG) of Bank Indonesia on August 19 and 20, 2025 decided to reduce the BI-Rate by 25 bps to 5.00 percent," Perry said at a press conference, Wednesday, August 20.