JAKARTA PT Bank Mandiri Tbk stated that it would immediately adjust the loan interest rate after Bank Indonesia (BI) raised the benchmark interest rate by 75 basis points (bps) to 4.25 percent.
The signal was clearly conveyed by Bank Mandiri Director of Finance and Strategy Sigit Prastowo when answering questions from the media crew in the agenda of exposure to performance in the third quarter of 2022.
According to him, this policy does not apply to customers who from the start have loans with a fixed interest rate.
Bank Mandiri's wholesale credit will follow the benchmark interest rate. Meanwhile, fixed interest rates or fixed rates are certainly insensitive to changes in interest rates," he said through a virtual channel on Wednesday, October 10.
Even so, Sigit could not provide further information regarding the execution time of the new interest rate.
Until now, we are still reviewing it, but there is the potential to increase it, especially debtors who use a referral rate. Keep in mind that we also see the financial health of debtors how the impact will be on credit quality," he said.
As for the deposit side, the boss of Bank Mandiri revealed that the company would carry out the same treatment.
"For the increase in third-party interest rates (DPK) of course monitor liquidity conditions in the market for further pricing to be determined. It should be noted that Bank Mandiri's LDR condition is still relatively good at the 83 percent level and this gives us room to control the DPK interest," he explained.
To note, until last September the business entity with the ticker issuer BMRI managed to disburse loans amounting to IDR 1,167.51 trillion.
This figure grew 14.2 percent compared to the same period last year (year on year/yoy).
On the liquidity side, BMRI recorded that the DPK grew positively by 12.1 percent from IDR 1,213.99 trillion in the third quarter of 2021 to IDR 1,361.30 trillion at the end of the third quarter of 2022.
This was not increased thanks to an increase in savings funds which rose 15.1 percent to Rp533 trillion on a consolidated basis.
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