VIVAnews - It is figured that top banks will lower fixed deposit interest rate following Bank Indonesia (BI)'s measure in cutting the BI Rate by 50 basis points to 8.75 percent.
Director of Bank Negara Indonesia (BNI) Gatot Suwondo revealed that the BI Rate cut will affect the decrease in fixed interest rate.
"If raw material prices fall, selling prices will automatically tumble," he told VIVAnews through SMSes on Thursday, Jan 8. "In addition, there is buyer's market in banking," he added.
Banking analyst Mirza Adityaswara also claimed that top banks may cut their fixed deposit interest in line with the BI Rate cut. However, there will delay in small banks due to segmented inter-banks financial market.
If fixed deposit interest falls, according to him, loans interest rate may decrease. In addition to fixed deposit interest factor, loans interest is also determined by banks' intention in disbursing loans during the poor purchasing power. "As a result, not all bank customers will gain decrease of banks' interest," he said.
As for new customers, which is high-risk sector, they will be charged with high interest because banks are avoiding expansion in the sector.
Translated by: Bonardo Maulana Wahono
VIVA.co.id
2 Mei 2024
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