[{"_1":2,"_107":-5,"_108":-5},"loaderData",{"_3":4,"_24":25,"_26":27},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","CLARITY_PROJECT_ID","wn9rn7xb4l","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_28":29,"_30":31},"regulationId","08265871-1d66-411d-9dec-352038632950","regulationData",{"_32":29,"_33":34,"_103":104,"_105":106},"regulation_id","overview",{"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_56":57,"_58":59,"_63":64,"_68":69,"_70":71,"_72":73,"_74":75,"_76":77,"_78":79,"_80":81,"_82":83,"_84":85,"_86":87,"_88":-5,"_89":-5,"_90":91,"_98":-5,"_99":-5,"_100":-5,"_101":102},"title","Peraturan Bank Indonesia Nomor 2 Tahun 2026 tentang Perubahan Kelima atas Peraturan Bank Indonesia Nomor 20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah dan Unit Syariah","short_title","Peraturan Bank Indonesia Nomor 2 Tahun 2026","number","2","year","2026","published_date","2026-01-30","effective_date","2026-02-02","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_51":48,"_52":53,"_54":55},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_51":57,"_52":60,"_61":62},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[65],{"_51":66,"_52":67,"_54":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan, Lembaga Keuangan","location","Bank Indonesia","place_of_enactment","Jakarta","theme","Perubahan Kelima atas Peraturan Bank Indonesia Nomor 20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah dan Unit Syariah","subject_matter","Peraturan ini mengubah beberapa ketentuan dalam Peraturan Bank Indonesia Nomor\r\n20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial\r\ndan Penyangga Likuiditas Makroprudensial bagi Bank Umum\r\nKonvensional, Bank Umum Syariah, dan Unit Usaha Syariah yaitu tentang ketentuan umum, Rasio Intermediasi Makroprudensial Syariah, sanksi dan pelaporan","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Perbankan
2026
Peraturan Bank Indonesia NO. 2, BN.2026 (2/10 hlm)
Peraturan Bank Indonesia TENTANG Perubahan Kelima atas Peraturan Bank Indonesia Nomor 20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah dan Unit Syariah
ABSTRAK:	\n \n a. bahwa untuk mendorong fungsi intermediasi perbankan\r\nyang seimbang dan berkualitas serta untuk mendukung\r\nketahanan likuiditas perbankan, Bank Indonesia\r\nmelakukan evaluasi secara berkala terhadap implementasi\r\nkebijakan rasio intermediasi makroprudensial dan\r\npenyangga likuiditas makroprudensial bagi bank umum\r\nkonvensional, bank umum syariah, dan unit usaha\r\nsyariah guna memastikan efektivitas implementasi\r\nkebijakan;\r\nb. bahwa berdasarkan hasil evaluasi sebagaimana dimaksud\r\ndalam huruf a, Bank Indonesia perlu melakukan\r\npenyesuaian pengaturan terkait acuan yang digunakan\r\nsebagai dasar perhitungan sanksi kewajiban membayar\r\nyang terkait dengan pemenuhan giro rasio intermediasi\r\nmakroprudensial syariah dan penyangga likuiditas\r\nmakroprudensial syariah;\r\nc. bahwa berdasarkan pertimbangan sebagaimana dimaksud\r\ndalam huruf a dan huruf b, perlu dilakukan penyesuaian\r\nterhadap beberapa ketentuan dalam Peraturan Bank\r\nIndonesia Nomor 20/4/PBI/2018 tentang Rasio\r\nIntermediasi Makroprudensial dan Penyangga Likuiditas\r\nMakroprudensial bagi Bank Umum Konvensional, Bank\r\nUmum Syariah, dan Unit Usaha Syariah sebagaimana\r\ntelah beberapa kali diubah terakhir dengan Peraturan\r\nBank Indonesia Nomor 24/16/PBI/2022 tentang\r\nPerubahan Keempat atas Peraturan Bank Indonesia\r\nNomor 20/4/PBI/2018 tentang Rasio Intermediasi\r\nMakroprudensial dan Penyangga Likuiditas\r\nMakroprudensial bagi Bank Umum Konvensional, Bank\r\nUmum Syariah, dan Unit Usaha Syariah, sehingga perlu\r\ndiubah;\r\nd. bahwa berdasarkan pertimbangan sebagaimana dimaksud\r\ndalam huruf a, huruf b, dan huruf c, perlu menetapkan\r\nPeraturan Bank Indonesia tentang Perubahan Kelima atas\r\nPeraturan Bank Indonesia Nomor 20/4/PBI/2018 tentang\r\nRasio Intermediasi Makroprudensial dan Penyangga\r\nLikuiditas Makroprudensial bagi Bank Umum\r\nKonvensional, Bank Umum Syariah, dan Unit Usaha\r\nSyariah; \n Undang-Undang Nomor 23 Tahun 1999 dan Peraturan Bank Indonesia Nomor 20/4/PBI/2018 \n Peraturan ini mengubah beberapa ketentuan dalam Peraturan Bank Indonesia Nomor\r\n20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial\r\ndan Penyangga Likuiditas Makroprudensial bagi Bank Umum\r\nKonvensional, Bank Umum Syariah, dan Unit Usaha Syariah yaitu tentang ketentuan umum, Rasio Intermediasi Makroprudensial Syariah, sanksi dan pelaporan \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 02 Februari 2026. \n Peraturan Bank Indonesia Nomor\r\n20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial\r\ndan Penyangga Likuiditas Makroprudensial bagi Bank Umum\r\nKonvensional, Bank Umum Syariah, dan Unit Usaha Syariah \n 10 hlm \n \n

","regulatory_relationship","Peraturan ini mengubah Peraturan Bank Indonesia Nomor 20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas Makroprudensial bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah, sebagaimana telah beberapa kali diubah terakhir dengan Peraturan Bank Indonesia Nomor 24/16/PBI/2022 tentang Perubahan Keempat atas Peraturan Bank Indonesia Nomor 20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas Makroprudensial bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah.","scope_and_parties","Peraturan ini mengatur mengenai penyesuaian acuan yang digunakan sebagai dasar perhitungan sanksi kewajiban membayar yang terkait dengan pemenuhan giro rasio intermediasi makroprudensial syariah dan penyangga likuiditas makroprudensial syariah. Perubahan ini dilakukan untuk mendorong fungsi intermediasi perbankan yang seimbang dan berkualitas serta mendukung ketahanan likuiditas perbankan. Peraturan ini mengubah beberapa ketentuan dalam Peraturan Bank Indonesia Nomor 20/4/PBI/2018, termasuk penghapusan dan pengubahan beberapa definisi serta penyesuaian pada pasal-pasal terkait sanksi dan pelaporan.","policy_content","Peraturan ini merupakan perubahan kelima atas Peraturan Bank Indonesia Nomor 20/4/PBI/2018. Tujuan utamanya adalah untuk menyesuaikan acuan perhitungan sanksi kewajiban membayar terkait pemenuhan giro rasio intermediasi makroprudensial syariah (Giro RIM Syariah) dan penyangga likuiditas makroprudensial syariah (PLM Syariah), karena acuan yang lama dinilai sudah tidak relevan. Perubahan ini mencakup penghapusan beberapa definisi (angka 21, 28, 29, 30, 30a, 30b, 31, 32, 33) dan pengubahan definisi lainnya pada Pasal 1. Selain itu, ketentuan mengenai sanksi atas pelanggaran kewajiban pemenuhan Giro RIM, Giro RIM Syariah, PLM, dan PLM Syariah diatur lebih lanjut dalam Peraturan Anggota Dewan Gubernur (Pasal 29 ayat (3)). Ketentuan mengenai sanksi atas keterlambatan atau ketidakpenyampaian laporan juga diatur lebih lanjut dalam Peraturan Anggota Dewan Gubernur (Pasal 30 ayat (3)). Beberapa pasal terkait sanksi dan ketentuan lainnya juga dihapus (Pasal 32A dan 33).","transitional_provisions","(-)","sanctions","1. Pelanggaran kewajiban pemenuhan Giro RIM, Giro RIM Syariah, PLM, dan PLM Syariah dikenai sanksi berupa teguran tertulis dan sanksi kewajiban membayar.\n2. Keterlambatan atau ketidakpenyampaian laporan dikenai sanksi berupa teguran tertulis dan sanksi kewajiban membayar.\n3. Ketentuan mengenai sanksi dan tata cara pengenaan sanksi diatur lebih lanjut dalam Peraturan Anggota Dewan Gubernur.","revoked_by","partially_revoked_by","revokes",[92],{"_93":94,"_95":96,"_32":97},"text","Peraturan BI No. 20/4/PBI/2018 Tahun 2018tentangRasio Intermediasi Makroprudensial Dan Penyangga Likuiditas Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Syariah","link","https://peraturan.bpk.go.id/Details/135872/peraturan-bi-no-204pbi2018-tahun-2018","ead813e9-e98e-4abb-b898-34c5554490b7","amended_by","amends","constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION NUMBER 2 OF 2026

CONCERNING THE FIFTH AMENDMENT TO BANK INDONESIA REGULATION NUMBER 20/4/PBI/2018 CONCERNING MACROPRUDENTIAL INTERMEDIATION RATIO AND MACROPRUDENTIAL LIQUIDITY BUFFER FOR CONVENTIONAL COMMERCIAL BANKS, ISLAMIC COMMERCIAL BANKS, AND ISLAMIC BUSINESS UNITS

BY THE GRACE OF THE ALMIGHTY GOD

GOVERNOR OF BANK INDONESIA,

\n\n\n\n\n\n\n\n\n\n\n

Considering :

that to encourage balanced and quality banking intermediation functions and to support banking liquidity resilience, Bank Indonesia periodically evaluates the implementation of the macroprudential intermediation ratio and macroprudential liquidity buffer policies for conventional commercial banks, Islamic commercial banks, and Islamic business units to ensure the effectiveness of policy implementation;
that based on the evaluation results as referred to in letter a, Bank Indonesia needs to adjust the regulations related to the reference used as the basis for calculating sanctions for payment obligations related to the fulfillment of the Islamic macroprudential intermediation ratio and Islamic macroprudential liquidity buffer;
that based on the considerations referred to in letters a and b, it is necessary to adjust several provisions in Bank Indonesia Regulation Number 20/4/PBI/2018 concerning the Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer for Conventional Commercial Banks, Islamic Commercial Banks, and Islamic Business Units, as has been amended several times most recently by Bank Indonesia Regulation Number 24/16/PBI/2022 concerning the Fourth Amendment to Bank Indonesia Regulation Number 20/4/PBI/2018 concerning the Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer for Conventional Commercial Banks, Islamic Commercial Banks, and Islamic Business Units, therefore it needs to be amended;
that based on the considerations referred to in letters a, b, and c, it is necessary to stipulate a Bank Indonesia Regulation concerning the Fifth Amendment to Bank Indonesia Regulation Number 20/4/PBI/2018 concerning the Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer for Conventional Commercial Banks, Islamic Commercial Banks, and Islamic Business Units;

Recalling :

Law Number 23 of 1999 concerning Bank Indonesia (State Gazette of the Republic of Indonesia Year 1999 Number 66, Supplement to the State Gazette of the Republic of Indonesia Number 3843) as amended several times most recently by Law Number 4 of 2023 concerning Development and Strengthening of the Financial Sector (State Gazette of the Republic of Indonesia Year 2023 Number 4, Supplement to the State Gazette of the Republic of Indonesia Number 6845);
Bank Indonesia Regulation Number 20/4/PBI/2018 concerning the Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer for Conventional Commercial Banks, Islamic Commercial Banks, and Islamic Business Units (State Gazette of the Republic of Indonesia Year 2018 Number 44, Supplement to the State Gazette of the Republic of Indonesia Number 6194) as amended several times most recently by Bank Indonesia Regulation Number 24/16/PBI/2022 concerning the Fourth Amendment to Bank Indonesia Regulation Number 20/4/PBI/2018 concerning the Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer for Conventional Commercial Banks, Islamic Commercial Banks, and Macroprudential Liquidity Buffer for Conventional Commercial Banks, Islamic Commercial Banks, and Islamic Business Units;\n

prudential for Conventional Commercial Banks, Sharia Commercial Banks, and Sharia Business Units (State Gazette of the Republic of Indonesia Year 2022 Number 24/BI, Supplement to the State Gazette of the Republic of Indonesia Number 16/BI);

DECIDES:

To Stipulate :

BANK INDONESIA REGULATION CONCERNING THE FIFTH AMENDMENT TO BANK INDONESIA REGULATION NUMBER 20/4/PBI/2018 CONCERNING MACROPRUDENTIAL INTERMEDIATION RATIO AND MACROPRUDENTIAL LIQUIDITY BUFFER FOR CONVENTIONAL COMMERCIAL BANKS, SHARIA COMMERCIAL BANKS, AND SHARIA BUSINESS UNITS.

Article I

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