Flooring Guide by Cinvex — JAKARTA — KB Bank (PT Bank KB Bukopin Tbk.) has expressed strong support for the National Intermediation Acceleration program, or PINISI, recently launched by Bank Indonesia. The bank believes this initiative holds significant potential to strengthen the banking sector’s intermediation role while accelerating much-needed financing for the real economy.
Kurnady, President Director of KB Bank, emphasized that the PINISI program is a strategic step toward enhancing the bankability of priority projects. By fostering superior project curation, improving transparency, and facilitating more integrated cross-stakeholder coordination, the initiative aims to bridge the gap between financial institutions and essential development sectors.
“This program has the potential to boost the bankability of priority projects through better project curation, increased transparency, and more integrated cross-stakeholder coordination,” Kurnady noted on Saturday, May 9, 2026. According to him, these measures are crucial for clarifying creditworthiness and ensuring stable project cash flows, particularly in key sectors such as industrial downstreaming, food security, and housing.
Strategic Implementation and Risk Management
Despite the optimism surrounding the launch, KB Bank stresses that the ultimate success of the PINISI program will depend on consistent implementation, the quality of the project pipeline, and robust risk mitigation support from the government and regulators. The bank believes that a unified approach is essential to navigate the current economic landscape.
Amid global challenges, characterized by high interest rates and the potential for capital outflows, KB Bank maintains that it still possesses the capacity for selective and prudent credit expansion. Kurnady explained that the company remains focused on sectors with strong fundamentals and healthy cash flows, supported by disciplined underwriting and consistent risk management practices.
“This approach allows credit growth to proceed in tandem with maintained asset quality, in accordance with the risk-adjusted growth principle that serves as the foundation of our financing strategy,” he added.
Fostering Synergy for Economic Growth
Looking ahead, KB Bank views the optimization of intermediation through PINISI as a process that requires continuous synergy between regulators, the government, and the banking industry. The bank believes that concrete support, such as enhanced project readiness, policy harmonization across sectors, and clear risk mitigation frameworks, is vital for the effective financing of the real economy.
Furthermore, coordination between various ministries and regulatory bodies is considered essential to provide certainty in the execution of new initiatives. Such clarity is necessary to ensure that banking institutions can confidently channel credit into sectors that align with national priorities and long-term government objectives.
Summary
KB Bank has expressed strong support for Bank Indonesia’s PINISI program, which aims to strengthen the banking sector’s intermediation role and accelerate financing for the real economy. By improving project curation, transparency, and cross-stakeholder coordination, the initiative seeks to increase the bankability of priority sectors such as industrial downstreaming, food security, and housing.
The bank emphasizes that successful implementation relies on robust risk mitigation and consistent collaboration between regulators and the government. Despite global economic challenges, KB Bank maintains a strategy of prudent credit expansion, focusing on sectors with strong fundamentals while ensuring long-term asset quality through disciplined underwriting.