Ada Pertanyaan? Hubungi Kami 
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Ada Pertanyaan? Hubungi Kami Robert Sidauruk, Fathan Qorib
Commission XI of the House of Representative (House) is currently drafting an amendment to Law No. 7 of 1992 on Banking (Banking Law). To enhance the provisions of the amendment, the House is inviting the Regional-Owned Banks Associations (Asbanda) to provide input and feedback.Eko Budiwiyono, Chairman of Asbanda, has raised several matters that he believes must be addressed in the amendment to the Banking Law. The first is the definition of regional-owned banks as a type of bank be acknowledged in the Banking Law. At present, the Banking Law only acknowledges commercial bank and rural banks.
Currently, the total assets held by regional owned banks stands at IDR 451 trillion, constituting the fourth largest bank asset base after Bank BCA (IDR 541 trillion), Bank Mandiri (IDR 775 trillion, and Bank Rakyat Indonesia (IDR 778 trillion). By acknowledging regional owned banks as a new type of bank, Mr. Budiwiyono believes that these banks can make a better contribution to developing the regional areas.
“We hoped that regional owned banks can be firmly defined in the new banking law,” said Mr. Budiwoyono, in Jakarta on Monday
Another issue raised by Mr. Budiwoyono is the minimum capital requirements for regional owned banks. Without stating the exact number, Mr. Budiwoyono is urging lawmakers to regulate the minimum capital for regional owned banks.
Mr. Budiwoyono contends that provisions on minimum capital are important to create competitive regional-owned banks, especially in view of upcoming liberalization under the Asean Economic Community (AEC). Indonesia is still a hotbed for investment in the banking sector meaning a strong capital base is important for regional owned banks.
Asbanda is also hoping that the amendment will clearly separate the authority between the Financial Services Authority (OJK) and Bank Indonesia (BI) as regulator and supervisor of the banking industry. Mr. Budiwoyono sees that there is still some overlap between both institutions in regulating banks.
“Policy on branchless banking for instance. The OJK confirmed that every bank may provide branchless banking services to public, while BI argues that such services may only be provided by banks that fall under the BUKU 4 category,” said Mr. Budiwoyono.
In response to Asbanda’s comments,lawmaker Jon Erizalquestions the different characteristics of regional owned banks with existing banks. If don’t have any special characteristic, it would be meaningless to acknowledge regional owned banks as a new type of bank in the new banking law.
“What is the difference between regional owned banks with commercial banks and rural banks?”, asked Mr. Erizal.
Mr. Erizal further suggested that regional owned banks act as the government’s representative in disbursing finance to regional governments. For instance, if the State budget allocates a certain amount for developing infrastructure inprovinces, regional-owned banks could play the role of disbursing funds.
“Regional owned banks may become the representative of the government. This could be the special characteristics of these banks,” concluded Mr. Eriza.
(hot/kc)
Robert Sidauruk, Fathan Qorib
Commission XI of the House of Representative (House) is currently drafting an amendment to Law No. 7 of 1992 on Banking (Banking Law). To enhance the provisions of the amendment, the House is inviting the Regional-Owned Banks Associations (Asbanda) to provide input and feedback.Eko Budiwiyono, Chairman of Asbanda, has raised several matters that he believes must be addressed in the amendment to the Banking Law. The first is the definition of regional-owned banks as a type of bank be acknowledged in the Banking Law. At present, the Banking Law only acknowledges commercial bank and rural banks.
Currently, the total assets held by regional owned banks stands at IDR 451 trillion, constituting the fourth largest bank asset base after Bank BCA (IDR 541 trillion), Bank Mandiri (IDR 775 trillion, and Bank Rakyat Indonesia (IDR 778 trillion). By acknowledging regional owned banks as a new type of bank, Mr. Budiwiyono believes that these banks can make a better contribution to developing the regional areas.
“We hoped that regional owned banks can be firmly defined in the new banking law,” said Mr. Budiwoyono, in Jakarta on Monday
Another issue raised by Mr. Budiwoyono is the minimum capital requirements for regional owned banks. Without stating the exact number, Mr. Budiwoyono is urging lawmakers to regulate the minimum capital for regional owned banks.
Mr. Budiwoyono contends that provisions on minimum capital are important to create competitive regional-owned banks, especially in view of upcoming liberalization under the Asean Economic Community (AEC). Indonesia is still a hotbed for investment in the banking sector meaning a strong capital base is important for regional owned banks.
Asbanda is also hoping that the amendment will clearly separate the authority between the Financial Services Authority (OJK) and Bank Indonesia (BI) as regulator and supervisor of the banking industry. Mr. Budiwoyono sees that there is still some overlap between both institutions in regulating banks.
“Policy on branchless banking for instance. The OJK confirmed that every bank may provide branchless banking services to public, while BI argues that such services may only be provided by banks that fall under the BUKU 4 category,” said Mr. Budiwoyono.
In response to Asbanda’s comments,lawmaker Jon Erizalquestions the different characteristics of regional owned banks with existing banks. If don’t have any special characteristic, it would be meaningless to acknowledge regional owned banks as a new type of bank in the new banking law.
“What is the difference between regional owned banks with commercial banks and rural banks?”, asked Mr. Erizal.
Mr. Erizal further suggested that regional owned banks act as the government’s representative in disbursing finance to regional governments. For instance, if the State budget allocates a certain amount for developing infrastructure inprovinces, regional-owned banks could play the role of disbursing funds.
“Regional owned banks may become the representative of the government. This could be the special characteristics of these banks,” concluded Mr. Eriza.
(hot/kc)