Banks welcomed the positive reference interest rate reduction (BI Rate) of a 50 basis points from 8.75 the previous 9.25 percent. This is to provide a respite from the strict liquidity at this time.
The decline is a signal to the community that the bank will lower the level of interest rates tribe, both interest rates and credit funds, said Director of Retail Banking of PT Bank Mega Tbk Kostaman Thayib in Jakarta on Thursday (8 / 1).
However, he continued decline in bank interest rates will be hampered by a bank liquidity is not evenly distributed and the level of loan to deposit ratio (LDR) the high bank. "Banking will be the first issue of liquidity is not evenly distributed and the LDR is high," he said.
He said, the decline in BI Rate is not giving a signal to the banking community that welcomes positive and will soon adapt to the market.
In addition, show a decrease in bank interest rates have reached its peak and that there are no more likely to rise, he said.
According Kostaman, the decline in interest rates first must be made by banks that the government followed by large private banks. Government banks and private banks have a large liquidity is to immediately reduce the interest rate and loan funds to encourage the national economy to grow better, he said.
He said that, while banks are still offering high interest rates of funds in the market, due to the strict credit demand from customers.
Customer care in a loan to the bank because the interest rates cause problems for customers worried that the loan can not pay the credit. Meanwhile, banks that make loans to support the operational costs of the larger, he said.
The decline in the BI Rate to give a signal that the interest rate the bank has reached its peak, said the Corporate Banking of PT Bank CIMB-Niaga Chaterina Hadiman.
According to him, this is also the expectation that public funds interest rate and interest rate will move down.
But the problem, he continued, whether banks will immediately respond to a decrease in the reference interest rates, which have experienced a decline of 75 basis points (the first 25 basis points and the second 50 basis points) to 8.75 from 9.50 percent.
Thus, the bank is not likely to respond in a quick time due to various problems can be solved more related to the liquidity that is not evenly distributed.
In addition, global economic growth slowed mengimbas the national economy is also a factor that holding interest rates down, he said.
The decline is a signal to the community that the bank will lower the level of interest rates tribe, both interest rates and credit funds, said Director of Retail Banking of PT Bank Mega Tbk Kostaman Thayib in Jakarta on Thursday (8 / 1).
However, he continued decline in bank interest rates will be hampered by a bank liquidity is not evenly distributed and the level of loan to deposit ratio (LDR) the high bank. "Banking will be the first issue of liquidity is not evenly distributed and the LDR is high," he said.
He said, the decline in BI Rate is not giving a signal to the banking community that welcomes positive and will soon adapt to the market.
In addition, show a decrease in bank interest rates have reached its peak and that there are no more likely to rise, he said.
According Kostaman, the decline in interest rates first must be made by banks that the government followed by large private banks. Government banks and private banks have a large liquidity is to immediately reduce the interest rate and loan funds to encourage the national economy to grow better, he said.
He said that, while banks are still offering high interest rates of funds in the market, due to the strict credit demand from customers.
Customer care in a loan to the bank because the interest rates cause problems for customers worried that the loan can not pay the credit. Meanwhile, banks that make loans to support the operational costs of the larger, he said.
The decline in the BI Rate to give a signal that the interest rate the bank has reached its peak, said the Corporate Banking of PT Bank CIMB-Niaga Chaterina Hadiman.
According to him, this is also the expectation that public funds interest rate and interest rate will move down.
But the problem, he continued, whether banks will immediately respond to a decrease in the reference interest rates, which have experienced a decline of 75 basis points (the first 25 basis points and the second 50 basis points) to 8.75 from 9.50 percent.
Thus, the bank is not likely to respond in a quick time due to various problems can be solved more related to the liquidity that is not evenly distributed.
In addition, global economic growth slowed mengimbas the national economy is also a factor that holding interest rates down, he said.
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