OJK calls for careful planning on ASN payroll transfer from BPD to Himbara

The Financial Services Authority (OJK) has stated that any plan to transfer the payroll of Civil Servants (ASN) from Regional Development Banks (BPD) to the State-Owned Banks Association (Himbara) must be carefully and measurably planned. This precaution is necessary to maintain the overall stability of the national banking system.

Dian Ediana Rae, OJK Executive Head of Banking Supervision, noted that the ASN segment is a strategic partner and a primary customer base for BPDs. While BPD third-party funds (DPK) are currently dominated by non-regional government sources, ASN payroll serves as a highly stable funding component.

As of July 2026, BPD liquidity remains within safe limits, with a Liquidity Coverage Ratio (LCR) of 174.55%, an AL/NCD ratio of 106.04%, and an AL/DPK ratio of 22.29%. OJK emphasized that if a shift in funds occurs, BPDs will need to adjust their liquidity management to ensure all ratios remain within safe corridors. The impact of such a move would vary among BPDs depending on their specific funding structures and risk management capacities.