PT Bank Negara Indonesia (Persero) Tbk, or BNI, believes the 25 basis point increase in the Bank Indonesia benchmark interest rate (BI Rate) to 5.50 percent is a step to maintain macroeconomic stability amidst current global challenges. The company stated that it will continue to selectively and productively carry out its intermediation function to support the real sector.
BNI Corporate Secretary Okki Rushartomo said that Bank Indonesia's monetary policy reflects a measured response in maintaining the stability of the rupiah exchange rate, controlling inflationary pressures, and strengthening market confidence in the national economic outlook.
"We view the increase in the BI Rate as a necessary step to maintain national economic stability and strengthen investor confidence in Indonesia's economic prospects. Maintaining stability is a crucial foundation for sustainable growth in the real sector and the banking industry," Okki said in a written statement.
According to Okki, macroeconomic stability is a crucial prerequisite for the banking sector to continue its intermediation function in a healthy and sustainable manner. With more controlled market conditions, banks have the space to maintain prudent, selective, and productive financing distribution.
Nevertheless, BNI remains vigilant about the potential impact of rising interest rates on credit demand, particularly from business sectors sensitive to changes in the cost of funds. The company will continue to adapt its business strategy to evolving macroeconomic conditions, monetary policy direction, and customer financing needs.
Amidst the dynamics of interest rates, BNI is strengthening its digital transformation to improve the efficiency of its services and business processes. Digital technology is being utilized across various operational aspects, including developing banking services, enhancing the customer experience, and optimizing the credit process to make it faster, more effective, and while maintaining a prudent approach.
In addition, BNI is strengthening the implementation of good corporate governance (GCG) and disciplined risk management to maintain asset quality and business resilience. The company consistently monitors its credit portfolio, risk profile, liquidity, and economic and market developments as part of its ongoing risk mitigation efforts.
"We continue to strengthen our governance, risk management, and digital capabilities to continue providing the best service to our customers while maintaining healthy and sustainable business growth. With this strong foundation, BNI is optimistic that we can continue to support the real sector and contribute to Indonesia's economic growth," said Okki.
Going forward, BNI will continue to monitor macroeconomic developments and monetary policy direction to ensure its business strategy remains adaptive. With the support of capital, adequate liquidity, and prudent risk management, the company affirms its commitment to maintaining sustainable performance while supporting the stability of the national financial system.