The Indonesia Deposit Insurance Corporation (LPS) has officially decided to maintain its Guaranteed Interest Rate (TBP) for rupiah deposits at commercial banks at 3.50 percent. This decision, finalized during the Board of Commissioners meeting on Thursday, May 28, 2026, also maintains the guaranteed interest rate for foreign currency deposits at 2.00 percent and 6.00 percent for rupiah deposits at rural banks (BPR).
These rates are effective from June 1, 2026, through September 30, 2026. According to an official statement released by the LPS on Saturday, May 30, 2026, the decision was reached after a thorough assessment of market conditions. Key factors influencing this move include the limited upward trend in market interest rates for both rupiah and foreign currency deposits, stable banking intermediation performance, adequate liquidity, and a healthy competitive landscape among financial institutions.
The LPS conducts these rate assessments three times per year—in January, May, and September. This marks the second consecutive period the agency has held the TBP steady, following a previous adjustment from the 3.75 percent level.
Despite the static rate, the deposit insurance coverage ratio remains robust and well above the legal mandate, covering more than 90 percent of total bank customer accounts. Based on these metrics, the LPS maintains that the current interest rates are sufficient to uphold public trust and reinforce the overall stability of the banking sector.
To ensure its policies remain responsive to the evolving economic environment, the LPS is committed to regular, ongoing evaluations. These assessments are vital for maintaining the credibility and effectiveness of the nation’s deposit insurance framework while adapting to future shifts in the banking and financial markets.
In terms of coverage reach, the LPS asserts that the current TBP continues to provide sufficient protection for depositors. As of April 2026, the number of accounts at commercial banks with full coverage—up to IDR 2 billion—reached 666.72 million. A similar level of protection is also extended to customer accounts held within rural banks (BPR/BPRS).
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Summary
The Indonesia Deposit Insurance Corporation (LPS) has decided to keep the Guaranteed Interest Rate (TBP) unchanged for the period of June 1 to September 30, 2026. Rupiah deposits at commercial banks remain at 3.50 percent, while foreign currency deposits are held at 2.00 percent and rural bank (BPR) deposits at 6.00 percent. This decision follows an assessment of stable market conditions, banking liquidity, and competitive financial landscapes.
The current coverage remains robust, protecting over 90 percent of total bank customer accounts. With more than 666 million accounts fully covered up to IDR 2 billion, the LPS believes these rates effectively maintain public trust and sectoral stability. The agency remains committed to conducting its triannual evaluations to ensure the deposit insurance framework adapts to ongoing economic changes.