[{"_1":2,"_164":-5,"_165":-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","","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","ead813e9-e98e-4abb-b898-34c5554490b7","regulationData",{"_36":33,"_37":38,"_160":161,"_162":163},"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,"_75":76,"_77":78,"_79":80,"_81":82,"_83":-5,"_84":85,"_86":87,"_88":23,"_89":90,"_91":92,"_93":94,"_95":96,"_97":98,"_105":106,"_107":108,"_109":110,"_135":136,"_149":150,"_151":152,"_153":154,"_155":156,"_157":-5,"_158":159},"title","Peraturan Bank Indonesia Nomor 20/4/PBI/2018 Tahun 2018 tentang Rasio Intermediasi Makroprudensial Dan Penyangga Likuiditas Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Syariah","short_title","Peraturan Bank Indonesia Nomor 20/4/PBI/2018 Tahun 2018","number","20/4/PBI/2018","year","2018","published_date","2018-03-29","effective_date","2018-04-03","status_id","89192b77-602e-484c-89df-4fd3166b732a","status",{"_55":52,"_56":57,"_58":59},"id","name","Tidak Berlaku","description","Peraturan yang sudah tidak berlaku karena dicabut, diubah, atau habis masa berlakunya","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_55":61,"_56":64,"_65":66},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[69,72],{"_55":70,"_56":71,"_58":-5},"54d08c24-6ebe-45ac-aceb-ef774a10c175","Badan Usaha & Perdagangan",{"_55":73,"_56":74,"_58":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Rasio Intermediasi Makroprudensial Dan Penyangga Likuiditas Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Syariah","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2018
Peraturan Bank Indonesia NO. 20/4/PBI/2018, BN 2018/NO 44; PERATURAN.GO.ID 34 HLM
Peraturan Bank Indonesia TENTANG Rasio Intermediasi Makroprudensial Dan Penyangga Likuiditas Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 03 April 2018. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Pasal 19A, Pasal 20A, dan Pasal 20B sebagaimana dimaksud dalam Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional (Lembaran Negara Republik Indonesia Tahun 2013 Nomor 235, Tambahan Lembaran Negara Republik Indonesia Nomor 5478) sebagaimana telah beberapa kali diubah, terakhir dengan Peraturan Bank Indonesia Nomor 19/6/PBI/2017 tentang Perubahan Kelima atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional.","scope_and_parties","policy_content","Peraturan Bank Indonesia ini bertujuan untuk mencegah dan mengurangi risiko sistemik serta mendorong fungsi intermediasi yang seimbang dan berkualitas di sektor perbankan. Kebijakan ini merumuskan instrumen makroprudensial berbasis intermediasi dan likuiditas melalui penyempurnaan pengaturan Rasio Intermediasi Makroprudensial (RIM) dan Penyangga Likuiditas Makroprudensial (PLM) bagi Bank Umum Konvensional (BUK), Bank Umum Syariah (BUS), dan Unit Usaha Syariah (UUS). RIM dan RIM Syariah dihitung berdasarkan perbandingan antara kredit atau pembiayaan yang diberikan dan surat berharga korporasi yang dimiliki bank terhadap Dana Pihak Ketiga (DPK) dan surat berharga yang diterbitkan bank. Bank Indonesia menetapkan target RIM dan RIM Syariah dengan batas bawah dan batas atas, serta KPMM Insentif sebagai acuan. Bank yang memiliki RIM di luar target akan dikenakan parameter disinsentif. PLM dan PLM Syariah adalah cadangan likuiditas minimum yang wajib dipelihara dalam bentuk surat berharga. Bank Indonesia berwenang memberikan kelonggaran pemenuhan Giro RIM atau Giro RIM Syariah kepada bank yang dikenakan pembatasan kegiatan usaha oleh OJK. Bank wajib menyampaikan laporan surat berharga secara berkala kepada Bank Indonesia.","transitional_provisions","1. Pelanggaran atas ketentuan mengenai kewajiban pemenuhan giro wajib minimum sekunder, kewajiban pemenuhan giro wajib minimum loan to funding ratio, dan/atau kewajiban penyampaian laporan surat berharga sebagaimana dimaksud dalam Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional sebagaimana telah beberapa kali diubah, terakhir dengan Peraturan Bank Indonesia Nomor 19/6/PBI/2017 tentang Perubahan Kelima atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional, yang terjadi sebelum berlakunya Peraturan Bank Indonesia ini, dikenakan sanksi sebagaimana dimaksud dalam Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional sebagaimana telah beberapa kali diubah, terakhir dengan Peraturan Bank Indonesia Nomor 19/6/PBI/2017.","sanctions","1. Bank yang melanggar kewajiban pemenuhan Giro RIM, Giro RIM Syariah, PLM, dan PLM Syariah dikenakan sanksi berupa teguran tertulis dan sanksi kewajiban membayar.\n2. Bank yang terlambat menyampaikan laporan dikenakan sanksi berupa teguran tertulis dan kewajiban membayar sebesar Rp1.000.000,00 per hari keterlambatan.\n3. Bank yang tidak menyampaikan laporan dikenakan sanksi berupa teguran tertulis dan kewajiban membayar sebesar Rp30.000.000,00.","revokes",[],"revoked_by",[99],{"_100":101,"_102":103,"_36":104},"text","Peraturan BI No. 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","link","https://peraturan.bpk.go.id/Details/347280/peraturan-bi-no-2-tahun-2026","08265871-1d66-411d-9dec-352038632950","partially_revokes",[],"partially_revoked_by",[],"amends",[111,115,119,123,127,131],{"_100":112,"_102":113,"_36":114},"Peraturan BI No. 19/6/PBI/2017 Tahun 2017 tentang Perubahan Kelima Atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 Tentang Giro Wajib Minimum Bank Umum Dalam Rupiah Dan Valuta Asing Bagi Bank Umum Konvensional","https://peraturan.bpk.go.id/Details/135770/peraturan-bi-no-196pbi2017-tahun-2017","06451a4f-6d89-49cd-bcb8-d673db2c12c6",{"_100":116,"_102":117,"_36":118},"Peraturan BI No. 18/3/PBI/2016 Tahun 2016 tentang Perubahan Ketiga atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum Dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional","https://peraturan.bpk.go.id/Details/135663/peraturan-bi-no-183pbi2016-tahun-2016","693a6a53-f68c-4831-aa72-9a87a9467d81",{"_100":120,"_102":121,"_36":122},"Peraturan BI No. 18/14/PBI/2016 Tahun 2016 tentang Perubahan Keempat atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional","https://peraturan.bpk.go.id/Details/135672/peraturan-bi-no-1814pbi2016-tahun-2016","7fc32f86-4b51-4e87-906a-febfba14c6cf",{"_100":124,"_102":125,"_36":126},"Peraturan BI No. 17/21/PBI/2015 Tahun 2015 tentang Perubahan Kedua atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum Dalam Rupiah dan Valuta Asing Bagi Bank Umum Konvensional","https://peraturan.bpk.go.id/Details/135541/peraturan-bi-no-1721pbi2015-tahun-2015","a402e126-52f5-4d59-ac6e-6aea43719934",{"_100":128,"_102":129,"_36":130},"Peraturan BI No. 17/11/PBI/2015 Tahun 2015 tentang Perubahan atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing Bagi Bank Umum Konvensional","https://peraturan.bpk.go.id/Details/135526/peraturan-bi-no-1711pbi2015-tahun-2015","1d95f0f7-6550-45e9-a331-5af1f82499e4",{"_100":132,"_102":133,"_36":134},"Peraturan BI No. 15/15/PBI/2013 Tahun 2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional","https://peraturan.bpk.go.id/Details/136591/peraturan-bi-no-1515pbi2013-tahun-2013","241ca871-b68b-4a58-b0f5-d0bb3f1be434","amended_by",[137,141,145],{"_100":138,"_102":139,"_36":140},"Peraturan BI No. 23/17/PBI/2021 tentang Perubahan Ketiga 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","https://peraturan.bpk.go.id/Details/219619/peraturan-bi-no-2317pbi2021","3d50fa62-a349-4eb4-a042-d63094c1119e",{"_100":142,"_102":143,"_36":144},"Peraturan BI No. 22/17/PBI/2020 tentang Perubahan Kedua 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","https://peraturan.bpk.go.id/Details/219248/peraturan-bi-no-2217pbi2020","46bf6f49-6ada-4161-9b3a-ede332483aa0",{"_100":146,"_102":147,"_36":148},"Peraturan BI No. 21/12/PBI/2019 Tahun 2019 tentang Perubahan 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","https://peraturan.bpk.go.id/Details/135915/peraturan-bi-no-2112pbi2019-tahun-2019","6645643a-4967-4ba6-afb3-df7230cb73d1","partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

STATE GAZETTE OF THE REPUBLIC OF INDONESIA
No. 44, 2018

BANK INDONESIA REGULATION
NUMBER 20/4/PBI/2018
CONCERNING
MACROPRUDENTIAL INTERMEDIATION RATIO AND MACROPRUDENTIAL LIQUIDITY BUFFER
FOR COMMERCIAL BANKS, SHARIA COMMERCIAL BANKS, AND SHARIA BUSINESS UNITS

BY THE GRACE OF GOD ALMIGHTY

THE GOVERNOR OF BANK INDONESIA,

Considering:

that as the central bank, Bank Indonesia also plays a role in promoting the maintenance of financial system stability through macroprudential regulation and supervision;
that macroprudential regulation and supervision aims to prevent and reduce systemic risk and encourage balanced and quality intermediation functions;
that to prevent and reduce systemic risk and disruption to the intermediation function, it is necessary to strengthen the intermediation function and risk control through the formulation of macroprudential instruments based on intermediation and liquidity that take into account the economic cycle;
that the formulation of macroprudential instruments based on intermediation and liquidity is carried out through improving the regulation of macroprudential intermediation ratios and macroprudential liquidity buffers for conventional commercial banks, sharia commercial banks, and sharia business units;
that based on the considerations as referred to in letters a to d, it is necessary to stipulate a Bank Indonesia Regulation concerning Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer for Conventional Commercial Banks, Sharia Commercial Banks, and Sharia Business Units;

In view of:

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 6 of 2009 concerning the Stipulation of Government Regulation in Lieu of Law Number 2 of 2008 concerning the Second Amendment to Law Number 23 of 1999 concerning Bank Indonesia into Law (State Gazette of the Republic of Indonesia Year 2009 Number 7, Supplement to the State Gazette of the Republic of Indonesia Number 4962);
Law Number 21 of 2011 concerning the Financial Services Authority (State Gazette of the Republic of Indonesia Year 2011 Number 111, Supplement to the State Gazette of the Republic of Indonesia Number 5253);

DECIDES:

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