Government Boosts Liquidity in State-Owned Banks with Additional Rp76 Trillion Injection

Enhanced Credit Disbursement Efforts

The Indonesian government has made a significant move to bolster liquidity in state-owned banks by injecting an additional Rp76 trillion on November 10, 2025 ²

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Source 3

https://finansial.bisnis.com/read/20251117/90/1929389/purbaya-suntik-lagi-bank-pakai-duit-negara-bank-jakarta-dapat-rp1-triliun

. This strategic injection follows the initial placement of Rp200 trillion in September 2025, demonstrating the government's commitment to stimulating economic growth through enhanced credit availability ¹

Source 1

https://finansial.bisnis.com/read/20251117/90/1929537/mandiri-bmri-dan-bri-bbri-tuntas-salurkan-kredit-dari-dana-rp200-triliun

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Allocation Details

The recent injection saw Rp25 trillion each being allocated to Bank Mandiri, BRI, and BNI, while Bank Jakarta received Rp1 trillion ²

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Source 3

https://finansial.bisnis.com/read/20251117/90/1929389/purbaya-suntik-lagi-bank-pakai-duit-negara-bank-jakarta-dapat-rp1-triliun

. This distribution aims to maintain the momentum of credit growth across various sectors of the economy. The Ministry of Finance reported that as of October 22, 2025, the initial Rp200 trillion injection had been 84% utilized, with a total of Rp167.6 trillion disbursed as credit ¹

Source 1

https://finansial.bisnis.com/read/20251117/90/1929537/mandiri-bmri-dan-bri-bbri-tuntas-salurkan-kredit-dari-dana-rp200-triliun

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Performance of State-Owned Banks

The disbursement performance varied among the state-owned banks. Bank Mandiri and BRI have successfully channeled 100% of their allocated Rp55 trillion each, demonstrating their strong capacity to utilize the funds effectively ¹

. BNI has disbursed Rp37.4 trillion (68%) of its allocation, while BTN managed to channel Rp10.3 trillion (41%) and BSI Rp9.9 trillion (99%) ¹

Source 1

https://finansial.bisnis.com/read/20251117/90/1929537/mandiri-bmri-dan-bri-bbri-tuntas-salurkan-kredit-dari-dana-rp200-triliun

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Rationale Behind Government's Action

The government's decision to inject additional liquidity is driven by the positive impact of the initial injection on economic activity. The lower cost of funds, set at 3.8% or 80% of the BI reference rate, has encouraged banks to disburse credit more rapidly ³

. This measure is part of a broader strategy to support economic recovery and stimulate growth through increased lending activities.

Expected Outcomes

The additional injection is expected to further accelerate credit growth, supporting businesses and individuals in accessing necessary funds. The government's proactive approach in managing liquidity is likely to have a positive ripple effect on the overall economy, contributing to enhanced financial stability and growth.