Digital Banks’ Strategies for Looser Liquidity

In essence, digital banks possess substantial capital to facilitate loan expansion. However, this strategy could pose risks, particularly in environments where the Bank Indonesia (BI) benchmark interest rates are high.

Fahmi Ahmad Burhan

29 Jan 2024 - 23.33
Digital Banks’ Strategies for Looser Liquidity

Illustration of a digital bank. / Image by Freepik

Bisnis, JAKARTA— Several digital banks are currently grappling with tight liquidity, evident in their high loan-to-deposit ratio (LDR). Despite their efforts to boost funding from customers, liquidity remains constrained.

The LDR serves as an indicator reflecting a bank's liquidity status. A higher LDR indicates tighter liquidity, whereas a lower LDR suggests looser liquidity. Typically, a healthy LDR falls within the range of 78% to 92%.

Several digital banks have reported high LDR, indicating tight liquidity. Bank Amar, for instance, disclosed an LDR of 297.72% as of September 2023, a notable increase from 158.42% in the same period the previous year.

Similarly, Superbank, part of the Emtek Group, saw its LDR rise to 223.81% in September 2023, up from 112.74% in the corresponding period last year. PT Allo Bank Indonesia Tbk. (BBHI) also faced a high LDR of 149.72% as of September 2023, while Bank Jago recorded an LDR of 105.33% during the same period.

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