3 Steps to Shield Banks from Geopolitical Risks

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TEMPO.CO, Jakarta - The Chair of the National Bank Association (Perbanas), Hery Gunardi, stated that the banking industry is also facing challenges due to ongoing geopolitical conflicts in the Middle ...

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Therefore, he emphasized the need for multiple risk mitigation strategies to ensure the stability of the financial sector.Prolonged geopolitical tensions have the potential to drive up energy and food prices, reduce people's purchasing power, and slow economic activity. \"At the same time, economic uncertainty also pressures business sector performance,\" said Hery in a written statement on Monday, March 9, 2026.","collect":0,"end_time":0,"defaultTopTitle":"tempo.co","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK7002":"互动媒体与服务","PDN":"Invesco RAFI Developed Markets ex-U.S. Small-Mid ETF","CAR":"安飞士","LCR":"Leuthold Core ETF","BK7503":"科技股","BK7083":"煤与消费用燃料","BK7509":"中概股","CAR.AU":"CAR GROUP LTD","BK4022":"陆运","PDN.AU":"PALADIN ENERGY LTD","DPK":"Direxion Daily Developed Markets","BK4230":"旅客陆运"},"translate_title":"保护银行免受地缘政治风险的3个步骤","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DPK":1,"CAR.AU":1,"PDN":1,"PDN.AU":1,"LCR":1,"CAR":1},"content_text":"TEMPO.CO, Jakarta - The Chair of the National Bank Association (Perbanas), Hery Gunardi, stated that the banking industry is also facing challenges due to ongoing geopolitical conflicts in the Middle East and global uncertainties. Therefore, he emphasized the need for multiple risk mitigation strategies to ensure the stability of the financial sector.Prolonged geopolitical tensions have the potential to drive up energy and food prices, reduce people's purchasing power, and slow economic activity. \"At the same time, economic uncertainty also pressures business sector performance,\" said Hery in a written statement on Monday, March 9, 2026.\nThe impact has the potential to increase the risk of non-performing loans (NPLs), ultimately requiring banks to be more selective in credit distribution. Banks will also strengthen their risk management and asset quality.\n\n\n\n\n\n\n\n\n\nThe President Director of PT Bank Rakyat Indonesia (Persero) Tbk stated that there are three things that banks need to prepare. First, strengthening risk management by conducting sectoral stress tests on portfolios in the transportation, logistics, and manufacturing sectors that rely heavily on fuel, establishing an early warning system for potential NPL deterioration, and tightening credit discipline and risk-based pricing.Secondly, banks need to ensure adequate liquidity to cope with potential fund flow volatility by strengthening the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). \"There is no other choice, banks must have sufficient cash flow buffers,\" said Hery.Third, to manage foreign exchange and foreign currency liquidity risks, banks must maintain a conservative net foreign exchange position (PDN), strengthen hedging strategies for foreign exchange exposure, and manage foreign currency maturity mismatches.Hery considered these measures important to ensure the availability of foreign currency liquidity for strategic sectors, including exporters and importers, to maintain the smoothness of national trade activities.Deputy Commissioner for Regulation, Licensing and Quality Control of the Financial Services Authority, Deden Firman Hendarsyah, said that the condition of the national banking industry is still considered quite resilient, especially in terms of capital indicators. The banking industry has a strong capital cushion to face global dynamics.\"Likewise, from a liquidity perspective, the conditions are still ample, and all key indicators are above the minimum thresholds set by the regulator,\" said Deden.Although facing challenges in the first quarter, Hery Gunardi assessed that the fundamentals of the national banking industry remain solid. This is reflected in credit growth, which reached 9.96 percent annually as of January 2026, surpassing the 9.63 percent growth rate in 2025.Third Party Funds (DPK) grew by 13.48 percent year on year. The Non-Performing Loan (NPL) ratio is also maintained at around 2.14 percent. Meanwhile, the capital resilience of the banking industry remains strong with a Capital Adequacy Ratio (CAR) of around 25.87 percent.\"Although the overall outlook for the banking industry is still quite good, we must remain anticipative of various potential risks in the future,\" said Hery.Read: Indonesia to Review Free Meal Budget as Oil Prices Hit $100Click here to get the latest news updates from Tempo on Google News","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"express","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.37.0","shortVersion":"4.37.0","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2618591676","isCrawlerRequest":true}