[{"_1":2,"_125":-5,"_126":-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","d8142de9-dfcf-410c-9889-2eb59a60c098","regulationData",{"_36":33,"_37":38,"_121":122,"_123":124},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_60":61,"_62":63,"_67":68,"_72":73,"_74":75,"_76":77,"_78":79,"_80":-5,"_81":82,"_83":84,"_85":-5,"_86":87,"_88":89,"_90":91,"_92":93,"_100":101,"_102":103,"_104":105,"_106":107,"_108":109,"_110":111,"_112":113,"_114":115,"_116":117,"_118":-5,"_119":120},"title","Peraturan Otoritas Jasa Keuangan Nomor 5 /POJK.03/2016 Tahun 2016 tentang Rencana Bisnis Bank","short_title","Peraturan Otoritas Jasa Keuangan Nomor 5 /POJK.03/2016 Tahun 2016","number","5 /POJK.03/2016","year","2016","published_date","2016-01-26","effective_date","2016-01-27","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_55":52,"_56":57,"_58":59},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","87562a34-231b-40c7-9b97-1b05bf771685","type",{"_55":61,"_56":64,"_65":66},"Peraturan Otoritas Jasa Keuangan","short_name","Peraturan OJK","subjects",[69],{"_55":70,"_56":71,"_58":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Otoritas Jasa Keuangan","place_of_enactment","Jakarta","theme","Rencana Bisnis Bank","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2016
Peraturan Otoritas Jasa Keuangan NO. 5 /POJK.03/2016, LN.2016/NO.17, TLN NO.5841, ojk.go.id: 18 hlm.
Peraturan Otoritas Jasa Keuangan TENTANG Rencana Bisnis Bank
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Otoritas Jasa Keuangan ini mulai berlaku pada tanggal 27 Januari 2016. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 12/21/PBI/2010 tanggal 19 Oktober 2010 tentang Rencana Bisnis Bank (Lembaran Negara Republik Indonesia Tahun 2010 Nomor 120, Tambahan Lembaran Negara Republik Indonesia Nomor 5161)","scope_and_parties","policy_content","Peraturan Otoritas Jasa Keuangan ini mengatur tentang Rencana Bisnis Bank (RBB) yang wajib disusun oleh setiap Bank secara realistis setiap tahun. Penyusunan RBB harus memperhatikan faktor eksternal dan internal, prinsip kehati-hatian, penerapan manajemen risiko, dan asas perbankan yang sehat. Bagi bank umum yang memiliki unit usaha syariah, RBB wajib memuat rencana bisnis khusus untuk unit usaha syariah. RBB disusun oleh Direksi dan disetujui oleh Dewan Komisaris. Direksi wajib melaksanakan RBB secara efektif dan mengkomunikasikannya kepada pemegang saham dan seluruh jenjang organisasi Bank. Dewan Komisaris wajib mengawasi pelaksanaan RBB.\n\nCakupan RBB meliputi ringkasan eksekutif, kebijakan dan strategi manajemen, penerapan manajemen risiko dan kinerja Bank saat ini, proyeksi laporan keuangan beserta asumsi, proyeksi rasio-rasio dan pos-pos tertentu, rencana pendanaan, rencana penanaman dana, rencana penyertaan modal, rencana permodalan, rencana pengembangan organisasi dan sumber daya manusia, rencana penerbitan produk dan/atau pelaksanaan aktivitas baru, rencana pengembangan dan/atau perubahan jaringan kantor, dan informasi lainnya.\n\nBank wajib menyampaikan RBB kepada Otoritas Jasa Keuangan (OJK) paling lambat akhir bulan November sebelum tahun RBB dimulai. Perubahan RBB hanya dapat dilakukan jika terdapat faktor eksternal/internal signifikan atau faktor yang mempengaruhi kinerja Bank berdasarkan pertimbangan OJK. Bank wajib menyampaikan Laporan Realisasi Rencana Bisnis secara triwulanan dan Laporan Pengawasan Rencana Bisnis secara semesteran kepada OJK.","transitional_provisions","(-)","sanctions","1. Bank yang terlambat menyampaikan Rencana Bisnis, Laporan Realisasi Rencana Bisnis, atau Laporan Pengawasan Rencana Bisnis dikenakan denda Rp1.000.000,00 per hari kerja keterlambatan.\n2. Bank yang tidak menyampaikan Rencana Bisnis, Laporan Realisasi Rencana Bisnis, atau Laporan Pengawasan Rencana Bisnis dikenakan denda Rp50.000.000,00.\n3. Bank yang menyampaikan penyesuaian Rencana Bisnis yang tidak lengkap atau tidak dilampiri dokumen yang material dikenakan denda Rp50.000.000,00 setelah diberikan teguran.\n4. Bank yang tidak mematuhi ketentuan Pasal 2, 3, 4, 19, 20, 21, 22, 23, 24, atau 27 dikenakan sanksi administratif berupa teguran tertulis, penurunan tingkat kesehatan Bank, pembekuan kegiatan usaha tertentu, dan/atau pencantuman pengurus/pemegang saham dalam daftar pihak yang tidak lulus penilaian kemampuan dan kepatutan.","revokes",[94],{"_95":96,"_97":98,"_36":99},"text","Peraturan BI No. 12/21/PBI/2010 tentang Rencana Bisnis Bank","link","https://peraturan.bpk.go.id/Details/137515/peraturan-bi-no-1221pbi2010","28734a58-d369-49b0-9814-c77caeb6006f","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

REGULATION OF FINANCIAL SERVICES AUTHORITY
NUMBER 5/POJK.03/2016
CONCERNING
BANK BUSINESS PLAN

BY THE GRACE OF GOD ALMIGHTY

BOARD OF COMMISSIONERS OF THE FINANCIAL SERVICES AUTHORITY

Considering:

that in order to direct the bank's operational activities in accordance with its vision and mission, the bank needs to establish strategic objectives and a set of corporate values that are further elaborated in the business plan;
that the business plan needs to be prepared carefully and realistically based on the principles of prudence and the application of risk management, with a comprehensive scope;
that the preparation of a business plan as a means for the bank to control strategic risks must take into account external and internal factors;
that a realistic business plan is also needed for the monetary authority as a consideration in establishing policies and conducting macro prudential supervision;
that the business plan is

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