"Saksikan tayangan kami Official Youtube IDX Channel di Program 2nd Session Closing, Kamis (06/03/2025) dengan tema Deposito Kalah dari SBN, Likuiditas Perbankan Terancam".
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00:00INDONESIAN BANKING
00:05We are still in the IDX Session Closing, and next we will invite you to discuss the election topic that has been collected by our team.
00:13Where the banking sector is facing the potential of the funds allocated by customers from deposits to other investment instruments that are considered more attractive, such as SBN.
00:24This makes it difficult for banks to compete to find liquidity.
00:30Banks are facing the potential of the funds allocated by customers from deposits to other investment instruments that are considered more attractive, such as SBN.
00:43This is because SBN's profit margin is much higher than banks.
00:52This condition makes banks face liquidity competition in the market.
00:56The interest rate remains high even though the interest rate has dropped.
01:00Where the interest rate of the largest bank deposits is only around 4%, compared to SBN's interest rate still touching 6%.
01:07In addition to obligations that are rated at 6% to 9%, while the BI rate is only at 5.75%.
01:14This makes liquidity finally decrease.
01:18In addition to that, the funds of the third party or the Department of Banking on the individual side experienced a decrease of around 2.6% annually or year-on-year.
01:28While the individual ownership in SBN actually increased to 25.79% year-on-year to 577 trillion rupiah.
01:38President-Director of BCA Yahya Setiat Majah admitted that there is competition with SBN to find liquidity where the BI rate decreased but the SBN rate actually increased.
01:51He said that the SBN rate has actually begun to normalize.
01:54But it can rise again when the government establishes a new SBN and the demand in the market is not too strong.
02:00If that happens, the impact will be great for BCA rather than the 200,000 rich people owned by BCA contribute more than 70% of the total funding.
02:12Meanwhile, the rich people who have the most potential to transfer their money to SBN.