Indonesian Banks Enhance Preparations for Nataru Holiday

Cash Reserve Allocation

Major Indonesian banks are taking comprehensive measures to ensure smooth financial operations during the upcoming Nataru holiday. PT Bank Tabungan Negara (Persero) Tbk (BTN) has allocated Rp 19.67 trillion in cash reserves to meet increased demand during the period from December 22, 2025, to January 2, 2026 ¹

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Source 2

https://finansial.bisnis.com/read/20251222/90/1938790/btn-siapkan-uang-tunai-rp1967-triliun-jelang-libur-nataru

. This allocation represents 1.09 times the average cash held by BTN branches under normal conditions ¹

Source 1

https://keuangan.kontan.co.id/news/sambut-nataru-btn-siapkan-uang-tunai-rp-1967-triliun-dan-maksimalkan-operasional

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Operational Readiness

BTN has ensured that 118 branches, 2 money changers, 8 digital stores, 3,600 ATMs/CDMs, and 80,000 EDC machines will remain operational during the holiday period. Additionally, 53,000 ATM Link machines connected to all Himbara banks will operate without additional fees ³

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Digital Service Enhancement

In addition to cash reserves, banks are enhancing their digital services. BTN is promoting its bale by BTN super app, which offers various banking services including fund transfers, cash withdrawals, purchases, and bill payments through QRIS ²

. Bank Raya is collaborating with TMII to enhance digital transaction capabilities during the Nataru celebrations ⁴

Source 4

https://finansial.bisnis.com/read/20251222/90/1938818/jadwal-operasional-btn-bni-dan-bca-selama-libur-nataru

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Other Major Banks' Preparations

• Bank Mandiri has prepared Rp 25 trillion in net cash reserves from December 1, 2025, to January 2, 2026, representing a 5.8% increase from the previous year ⁵
  Source 5

  https://finansial.bisnis.com/read/20251222/90/1938873/intip-kesiapan-uang-tunai-di-bank-mandiri-bri-btn-bsi-bca-sambut-libur-nataru
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• BNI will operate 27 branches on December 26, 2025, and 15 branches on January 1, 2026, with limited hours ³
  Source 3

  https://finansial.bisnis.com/read/20251222/90/1938670/bank-raya-dukung-perayaan-nataru-tmii-hadirkan-kemudahan-transaksi-digital
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• BCA will have limited operations on December 27-28, 2025, with normal operations resuming on December 29-31, 2025, and January 2, 2026 ³
  Source 3

  https://finansial.bisnis.com/read/20251222/90/1938670/bank-raya-dukung-perayaan-nataru-tmii-hadirkan-kemudahan-transaksi-digital
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