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Bisnis.com JAKARTA – Several small banks have expressed no fear of liquidity competition because of rising interest rates.
As we know, at the last three meetings of the Board of Governors In response to this decision, some banks have also adjusted the deposit interest rate, which should make the liquidity of small banks difficult.
However, the chairman of the board of PT Bank Dinar Tbk. Hendra Lie badesses the risks faced by small banks more related to the increase in the cost of funds
"If the liquidity risk does not exist, but the risk of the cost of the fund increases, that you do not want to be entertained with a growing interest, because if the interest rate goes up, most of the depositors ask that interest on deposits increase, "he told Bisnis Tuesday (3/7/2018) .It admits that since the beginning of June, the company has increased the deposit interest rate from 0.25% to 0.5% .However, the rise of 50 points base interest rate decided by BI at the end of June is still not necessary to be pbaded on to the new deposit rates
Furthermore, Hendra remains optimistic about the tightening of liquidity ( 19659003) "If Dinar Bank has been liquidity is not a problem, the key to good service ice and the relationship that is still maintained, "he said.
Bank Dinar still has a fairly loose liquidity which is seen from the ratio of financing ( loan to financing ratio / LFR) of 76% by the end of the second quarter / 2018.
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