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Indonesia Banking Booklet 2018.Pdf Indonesia Banking Booklet 2018 VOLUME 5 Chapter 1 Chapter I N D O N E S I A B A N K I N G B O O K COVER L E T 2 0 1 8 INDONESIA BANKING BOOKLET INDONESIA BANKING BOOKLET 1 Indonesia Banking Booklet 2018 Chapter 1 Chapter this page is intentionally left blank 2 Indonesia Banking Booklet 2018 INDONESIA BANKING BOOKLET 2018 1 Chapter BANKING LICENSING AND INFORMATION DEPARTEMENT Menara Radius Prawiro Kompleks Perkantoran Bank Indonesia Jl. MH Thamrin No. 2, Jakarta 10350 [email protected] 157 / Fax: (021) 385 8321 www.ojk.go.id 3 Indonesia Banking Booklet 2018 Chapter 1 Chapter this page is intentionally left blank 4 Indonesia Banking Booklet 2018 Foreword This 2018 Indonesia Banking Booklet constitutes a publication media presenting brief information concerning Indonesian banking industry. This booklet is expected to enable the readers to obtain brief information concerning direction of the banking policies in 2018 as well as policies and regulations 1 Chapter in the banking sector issued by Indonesia Financial Services Authority (OJK) in 2017. In contrast to the previous edition, this edition is divided into four chapters, as follows: Chapter I, which contains (i) OJK's vision, missions, functions and tasks and (ii) definitions, prohibition and business activities of the banking industry; Chapter II, which contains the authorities and policies of OJK in the banking sector; Chapter III, which contains the direction of OJK’s policies in 2018 and the development of OJK’s policies in 2017; and Chapter IV, which contains banking regulations that are still in force, including OJK’s Regulations issued in 2017. We realize that there are yet shortcomings in the presentation of this 2018 Indonesia Banking Booklet in terms of contents and formats, however, we still hope that the information presented can yet provide optimal benefits to the readers. Jakarta, May 2018 Department of Banking Licensing and Information Indonesia Financial Services Authority 5 Indonesia Banking Booklet 2018 TABLE OF CONTENTS FOREWOR 5 TABL OF ONTENTS 6 LIS OF APPENDIXES 12 LIS OF IGRES 13 LIS OF TABLES 15 CHAPTER 1 A. Indonesia Financial Services Authority 19 Chapter 1 Chapter OJK’s Vision and ission 19 OJK’s Objective 19 OJK’s Strategic Values 19 OJK’s Functions and Tasks 20 OJK’s Organization 20 B. Banking 23 efinition 23 Business ctivities of the an 23 Business ctivities rohiited or ans 29 CHAPTER 2 A. OJK Authority to Banking Industry 35 B. Bank Supervision 36 C. Bank Preliminary Investigation 38 D. Bank Investigation 41 OJK’s involvement in the Task Force Investment 41 lert stalishment of W Regional Work eams 42 E. Integrated Supervision 43 Financial onglomerates 44 ntegrated upervision Roadmap 46 F. Roadmap Banking Industry 46 Roadmap for ndonesian aning evelopment 46 Roadmap of ndonesian Sharia Baning 49 Roadmap of ustainale Finance 52 G. ASEAN Banking Integration Framework 55 H. Basel Framework 56 I. Transformation of Regional Development 61 Banks J. Credit Reporting System 63 K. Banking Information System for the Purpose 64 6 Indonesia Banking Booklet 2018 Of Supporting Bank Supervision Task L. Customer Education and Protection 68 CHAPTER 3 A. OJK 2018 Policy Direction 85 B. Development of OJK’s Policies in Banking 87 Sector in 2017 1 Chapter Financial Inclusion and ublic elfare 87 Consumer ducation and rotection 87 Investigation o anking ases 89 Sistem aanan Inormasi Keuangan 89 Online eorting o ank iquidity overage 90 atio RB and SRB usiness lan Online eorting 91 Regional Cooeration in the Framework of ABIF 93 Issuances o egulation concerning anking 93 Regulating Special olicy or Victims o atural isaster 93 evelopment of Sharia anking 94 evelopment o Sharia Banking roducts and 97 Education Transformation of egional evelopment ank 98 CHAPTER 4 A. Regulations on Bank Institutional Arrangement, 106 Management, and Ownership 1. Establishment of anks 106 2. Bank Ownership 111 3. Sole Ownershi in Banks in Indonesia 111 4. Share Ownershi o ommercial ank 113 5. anagement and uman esources 116 6. Fit and roper Test or ain Parties of 131 Financial Service Institutions 7. Bank erger, onsolidation and cuisition 132 8. Incentives in Bank onsolidation 133 9. Opening o ank Oice 134 10. Changes in Bank ame andor ogo 141 11. Closing o Bank ranch Oices 141 12. Bank iquidation 141 13. evocation o usiness icense at The 142 7 Indonesia Banking Booklet 2018 euest o Shareholders Sel iquidation 14. Business icense evocation as Follow Of 143 The Condition O ot eing ble to Be ehabilitated 15. Change in Conventional ank usiness 143 Activities To Sharia Bank B Reglations oncerning Bank Bsiness 144 ctivities, upporting ctivities, and ervices 1. Bank usiness ctivities 144 Chapter 1 Chapter 2. Deosits 149 3. Non-Oice Based Financial Services For the 151 Purpose O Financial Inclusion (Laku Pandai) 4. Credit estructuring 155 5. Custodian ith anagement (Trust) 157 6. uideline or evelopment o Bank redit 158 Policies 7. Obligation in rearation and 158 Implementation of Ban’s Credit or Financing Policies or ommercial anks 8. Standard or Operating Inormation 159 Technology or ural anks and Sharia ural Banks 9. Stipulation on Sharia Products 160 10. Obligation to eet et Stable Funding atio 163 or ommercial anks C. Stipulation oncerning Pdential Pinciple 163 1. Bank Core aital 163 2. inimum aital deuac euirement 165 3. Stipulation oncerning aximum Legal 172 Lending imit 4. Asset uality 175 5. Provision or sset rite Off 180 6. Implementation o nti-Fraud Strategy For 187 Commercial anks 7. uide or alculation o isk eighted sset 188 or redit isk by sing The Standard Aroach 8. Prudential rincile in Commercial ank 189 Caital articiation Activities 9. Prudential rincile or ommercial ank 191 8 Indonesia Banking Booklet 2018 at Otsorce art of te mpleentation of or to Other arties 10. Prdentia rincile in Asset ecritization 193 Actiities for Commercial Bans 11. Prdentia Princile in te Condct of 194 Strctred rodct ctiities for Commercial Chapter 1 Chapter Bans 12. Prdentia Princile in te Condct of 195 Foreign Financial Prodct genc ctiities by Commercial Bans 13. Impleentation of ood Corporate 196 oernance 14. Impleentation of Compliance Function for 210 Commercial Bans 15. Impleentation of isk anageent for 211 Commercial Bans, ra Bans, and Financial Conglomerates 16. Impleentation of isk anageent n e 218 se of nformation ecnology By Commercial Bans 17. Impleentation of isk anageent n e 219 se of nformation ecnology By Commercial Bans 18. Credits r Financing o Secrities Companies 220 And Credits r Financing it Sare Collaterals 19. Impleentation of isk anageent in 221 nternet Baning 20. isk anageent plementation at Bans 221 at Extend esidentia ose Ownersi Credits KPR) and otor Veice Credits KKB) 21. isk anageent Certification for 223 Commercial Ban anagers and fficers 22. Impleentation of nti one andering 224 and reention Of e Fnding of errorism Program 23. tilization of Foreign Workers and ransfer 226 of nowledge Progra in Baning Sector 24. Impleentation of isk anageent at 226 Bans at Condct ctiities of arketing 9 Indonesia Banking Booklet 2018 Cooperation With nsrance CompaniesBancassrance 25. Impleentation of isk anageent n 227 Ban ctiities eated o ta Fnds 26. Impleenting isk anagement t 228 Commercial Bans at Proide Prime Cstomer erice 27. ationa conomic tims For Commercial 229 Bans, aria Commercial Bans, and aria Chapter 1 Chapter Bsiness nits 28. eireent o eet iqidity Coerage 231 atio For Commercial Bans 29. Specia olicies on Quaity of 232 CreditFinancing in Areas ffected by atra isasters D. Reglation oncerning eports an cconting 233 Standads 1. ransparenc of Ban Financial Condition 233 2. nformation ransparenc on Bank rodcts 239 and se of Cstomer ersona ata 3. ndonesian Baning cconting ideines 239 for Commercial Bans 4. Saria Baning cconting ideines for 240 Saria Bans and BU 5. etermination on e se of Financial 241 Acconting tandards for ra Ban 6. Periodic eorts of Commercial Bans and 242 Other eorts 7. eorting and eesting of etor 247 nformation trog iste Laanan nformasi eangan 8. Lebaga engeola nformasi Perkreditan 248 E. Stiplation oncerning Bank pervision 250 1. Ban Bsiness lan 250 2. Assessment of Ban ondness ee 252 3. etermination of te Stats and Follow of 254 te uperision of Commercial Ban 4. etermination of te Stats and Follow of 256 te Superision of ra Bans and aria ra Bans 10 Indonesia Banking Booklet 2018 5. eireents and rocedre of Ban 259 Exaination 6. ecoery lan for ysteic Bans 259 7. Bridge Ban 261 F. Regulation oncerning onsumer ducation 264 and Potection 1. Financial iterac and ncsion 264 1 Chapter 2. Settleent of Consumer Complaints 264 3. arketing of rodcts andor ervices 266 4. Standard greeents 267 5. Confidentiaity of Consumer ersona ata 267 andor nformation G. Other Regulation’s 267 1. ating nstittions and atings cnoledge 267 by ndonesia Financial erices tority 2. Certification nstittions for ra 268 Bans/Saria ra Bans 3. Ban Secrec 269 4. Submission of Cstomer nformation reated 269 to axes 5. Atority on Crimina nestigations in 271 Financial erices ector 6. se of te Serices of ublic Accontants and 272 Public Acconting Firms in Financia erice ctiities 7. Impleentation of Sstainale Finance for 273 Financial erice nstitutions, ssers, and Public Companies PPDIXES 280 11 Indonesia Banking Booklet 2018 LIS OF APPENDIXES 1. List of JK egations Conersion ests from B 283 egation 2. List of Baning egation at are Still in Force 287 3. Entity’s Termination by ask Force nestment 303 ert 4. Baning Cases at Already ae Permanent 307 Lega Force inract) rogot 17 5. Popar erminoogies
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