[{"_1":2,"_136":-5,"_137":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"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,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","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",{"_32":33,"_34":35},"regulationId","a62aa3ef-a941-4b6d-b74a-72bf77924f23","regulationData",{"_36":33,"_37":38,"_132":133,"_134":135},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_59":60,"_61":62,"_66":67,"_71":72,"_73":74,"_75":76,"_77":78,"_79":-5,"_80":81,"_82":83,"_84":-5,"_85":86,"_87":88,"_89":90,"_91":92,"_111":112,"_113":114,"_115":116,"_117":118,"_119":120,"_121":122,"_123":124,"_125":126,"_127":128,"_129":-5,"_130":131},"title","Peraturan Bank Indonesia Nomor 14/15/PBI/2012 Tahun 2012 tentang Penilaian Kualitas Aset Bank Umum","short_title","Peraturan Bank Indonesia Nomor 14/15/PBI/2012","number","14/15/PBI/2012","year","2012","published_date","2012-10-24","effective_date","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_54":51,"_55":56,"_57":58},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_54":60,"_55":63,"_64":65},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[68],{"_54":69,"_55":70,"_57":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Penilaian Kualitas Aset Bank Umum","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2012
Peraturan Bank Indonesia NO. 14/15/PBI/2012, LN.2012/NO.202, TLN NO.5354, BI.GO.ID : 57 HLM
Peraturan Bank Indonesia TENTANG Penilaian Kualitas Aset Bank Umum
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 24 Oktober 2012. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum\n2. Peraturan Bank Indonesia Nomor 8/2/PBI/2006 tentang Perubahan atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005\n3. Peraturan Bank Indonesia Nomor 9/6/PBI/2007 tentang Perubahan Kedua atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005\n4. Peraturan Bank Indonesia Nomor 11/2/PBI/2009 tentang Perubahan Ketiga atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005","scope_and_parties","policy_content","

Peraturan Bank Indonesia ini bertujuan untuk mengatur penilaian kualitas aset bank umum agar sesuai dengan standar akuntansi internasional dan kondisi keuangan global yang berubah. Kebijakan ini menekankan pentingnya pengelolaan risiko kredit melalui penilaian dan pemantauan kualitas aset produktif dan non-produktif. Bank diwajibkan untuk melakukan penilaian kualitas aset secara berkala dan menyesuaikan laporan keuangan sesuai dengan penilaian Bank Indonesia. Selain itu, peraturan ini mengatur pembentukan cadangan kerugian penurunan nilai dan penyisihan penghapusan aset untuk menjaga kesehatan keuangan bank. Kebijakan ini juga mengatur restrukturisasi kredit dan penyertaan modal sementara sebagai bagian dari manajemen risiko kredit.

","transitional_provisions","1. Standby letter of credit yang diterbitkan oleh prime bank dan telah memenuhi persyaratan sebagai agunan tunai sebelum Peraturan Bank Indonesia ini berlaku, dinyatakan tetap memenuhi persyaratan sampai dengan jatuh tempo.","sanctions","1. Bank yang melakukan pelanggaran terhadap ketentuan ini dapat dikenakan sanksi administratif berupa teguran tertulis, pembekuan kegiatan usaha tertentu, dan/atau pencantuman pengurus dan/atau pemegang saham Bank dalam daftar pihak-pihak yang mendapatkan predikat Tidak Lulus dalam uji kemampuan dan kepatutan (fit and proper test).\n2. Bank yang melanggar ketentuan Pasal 17 dan Pasal 18 wajib menghitung PPA sebesar 100% terhadap Aset dimaksud.","revokes",[93,99,103,107],{"_94":95,"_96":97,"_36":98},"text","Peraturan BI No. 11/2/PBI/2009 tentang Perubahan Ketiga atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum","link","https://peraturan.bpk.go.id/Details/135352/peraturan-bi-no-112pbi2009","adae2c09-0357-442c-9e82-f66ff9750c64",{"_94":100,"_96":101,"_36":102},"Peraturan BI No. 9/6/PBI/2007 tentang Perubahan Kedua atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum","https://peraturan.bpk.go.id/Details/137622/peraturan-bi-no-96pbi2007","78996483-559a-4fbb-b141-b82f0fd324d8",{"_94":104,"_96":105,"_36":106},"Peraturan BI No. 8/2/PBI/2006 tentang Perubahan atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 Tentang Penilaian Kualitas Aktiva Bank Umum","https://peraturan.bpk.go.id/Details/137780/peraturan-bi-no-82pbi2006","47c5ad81-1f7c-4b21-9000-bb998e150f02",{"_94":108,"_96":109,"_36":110},"Peraturan BI No. 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum","https://peraturan.bpk.go.id/Details/137781/peraturan-bi-no-72pbi2005","ee5d6af2-badd-48b9-8839-e7bb29f92a09","revoked_by",[],"partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION
NUMBER 14/15/PBI/2012
CONCERNING
ASSET QUALITY ASSESSMENT
COMMERCIAL BANK

BY THE GRACE OF GOD ALMIGHTY

GOVERNOR OF BANK INDONESIA,

Considering:

That in line with the latest developments in financial accounting standards, banks are required to present accurate, comprehensive financial statements that reflect the bank's performance in its entirety and in accordance with international accounting standards;
That in carrying out its business activities, banks need to manage credit risk, including by maintaining asset quality and continuing to calculate allowance for impairment of assets;
That it is necessary to harmonize the provisions regarding asset quality assessment in connection with changes in global financial conditions and several related provisions;
That based on the considerations as referred to in letters a, b, and c, it is necessary to re-regulate Bank Indonesia Regulations regarding the

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