T&S Asset Management

Bank Indonesia holds BI-Rate at 5.75%, prioritising currency stability

Published Data as of IndonesiaMacro & households

Key points

Facts

Policy rates: the BI-Rate was held at 5.75%, the deposit facility rate at 4.75% and the lending facility rate at 6.50%. Basis: 23 September 2026. Source: Bank Indonesia (BI) board decision (reported by ANTARA). It was the third consecutive hold (CNN Indonesia). 1

Rationale: consistency with the exchange-rate stabilisation strategy amid strong external pressure, and achieving the 2026–2027 inflation target of 2.5% ± 1%. Governor Destry Damayanti. Same source.

Prices: August CPI inflation was 3.19% year on year (BPS).

Analysis

Regionally, Indonesia's policy rate of 5.75% is 3 pp above Malaysia's OPR of 2.75% (BNM, 3 September) and similar to the Philippines' 5.0% (as reported by the Inquirer). The margin over inflation (an ex-post real policy rate) is about 2.6 pp, positive, which reads as prioritising currency defence over growth.

Implications

ExecutivesNon-banks reliant on borrowing should plan on funding costs staying high.
InvestorsRate-cut expectations have receded; treat lender earnings scenarios premised on falling rates cautiously.
OperatorsWhere products face interest-rate caps, there is little room to pass on costs, so loss rates and collection efficiency drive profitability.

Counterpoints and uncertainties

If external pressure eases, BI could turn to cuts within the year. We omit the rupiah exchange rate level because it could not be confirmed against primary sources.

Figures: see definitions

  1. BI-Rate (policy rate): 5.75% (unchanged; third consecutive hold). Bank Indonesia benchmark policy rate. Indonesia, national. Basis date: 23 Sep 2026. Source: ANTARA: BI-Rate kembali bertahan di level 5,75 persen pada RDG September

Sources

  1. ANTARA: BI-Rate kembali bertahan di level 5,75 persen pada RDG September
  2. CNN Indonesia: BI Rate Tetap 5,75 Persen per September 2026, Ditahan 3 Bulan Beruntun

Reports are for information only and are not investment advice. Methodology: sources, verification and definitions