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🇮🇩 Indonesia /Economy & Trade

BCA: Banking Liquidity to Influence Deposit Rate Changes

From Tempo · () Indonesian

Translated from Indonesian, summarized and contextualized by DistantNews.

At a glance

News Named sources Context piece
  • PT Bank Central Asia (BCA) stated that banking liquidity conditions will influence deposit interest rate movements.
  • BCA's current deposit rates range from 2.75% to 3%, depending on the tenor and deposit amount, with rates reviewed periodically.
  • The bank's solid liquidity is supported by a high proportion of current and savings accounts (CASA) and healthy financial ratios like LDR and NSFR.

PT Bank Central Asia (BCA) has indicated that the overall liquidity of the banking sector will be a key factor in determining future deposit interest rates. Hera F. Haryn, EVP Corporate Communication & Social Responsibility at BCA, stated on Friday, July 24, 2026, that the bank's liquidity is currently "solid."

As of April 1, 2026, BCA's deposit interest rates are set between 2.75% and 3%. Lower rates apply to deposits under Rp 2 billion for terms of one to two months, while a 3% yield is offered for six and 12-month tenors or deposits of at least Rp 2 billion. Haryn emphasized that BCA regularly reviews its deposit rates, considering various factors.

These factors include the movement of third-party funds (DPK) and lending rates, which are influenced by Bank Indonesia's benchmark interest rate. Other considerations are credit demand, credit quality, and overall banking liquidity. BCA's financial health in the first quarter of 2026 showed a loan-to-deposit ratio (LDR) of 74.1%, a net stable funding ratio (NSFR) of 159.9%, and a liquidity coverage ratio (LCR) of 305.7%.

DistantNews Editorial

Originally published by Tempo in Indonesian. Translated, summarized, and contextualized by our editorial team with added local perspective. Read our editorial standards.

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