Sebelumnya, Bank Indonesia menilai penempatan dana perbankan di instrumen moneter Sertifikat Bank Indonesia SBI merupakan hal wajar akibat kelebihan likuiditas dan hambatan fungsi intermediasi karena besarnya risiko mikro struktural.
BI had previously said that the investment by banks of their funds in BI's monetary instrument, namely SBI, was something normal as banks were in surplus of liquidity, besides the constraints they faced in their intermediary roles.