OJK REGULATION NO. 24 OF 2025

ON

ACCOUNT MANAGEMENT AT COMMERCIAL BANKS

BY THE GRACE OF THE ALMIGHTY GOD,

THE COMMISSIONERS' COUNCIL OF THE FINANCIAL SERVICES AUTHORITY,

Considering:
a. that with the enactment of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector, the authority of the Financial Services Authority (Otoritas Jasa Keuangan) in regulating and supervising banking business activities, including account management, has been strengthened; b. that account management must be conducted with good governance to ensure protection for all customers and to prevent fraud or misuse practices, thereby requiring standardization of account management;
c. that based on the considerations referred to in letters a and b, it is necessary to establish a Financial Services Authority Regulation concerning Account Management at Commercial Banks;

Considering:

1. Law Number 7 of 1992 concerning Banking (State Gazette of the Republic of Indonesia Year 1992 Number 31, Supplement to the State Gazette of the Republic of Indonesia Number 3472) as amended several times, most recently by Law Number 4 of 2023 concerning the 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);
2. Law Number 21 of 2008 concerning Sharia Banking (State Gazette of the Republic of Indonesia Year 2008 Number 94, Supplement to the State Gazette of the Republic of Indonesia Number 4867) as amended several times, most recently by Law Number 4 of 2023 concerning the 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);
3. 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) as amended by Law Number 4 of 2023 concerning the 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);
4. Law Number 4 of 2023 concerning the 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);

DECIDES:

To Establish: A FINANCIAL SERVICES AUTHORITY REGULATION CONCERNING ACCOUNT MANAGEMENT AT COMMERCIAL BANKS.

CHAPTER I

GENERAL PROVISIONS

Article 1

In this Financial Services Authority Regulation, the following terms are defined:

1. Commercial Bank, hereinafter referred to as Bank, is a Bank that conducts business activities conventionally or based on Sharia principles, which in its activities provides services in payment transactions, including branch offices of banks located outside the country and Sharia business units.
2. Depositing Customer, hereinafter referred to as Customer, is a Customer who places funds in the Bank in the form of deposits based on an agreement between the Bank and the respective Customer.
3. Checking Account (Giro) is a checking account as referred to in the banking law and the Sharia banking law.
4. Savings Account (Tabungan) is a savings account as referred to in the banking law and the Sharia banking law.

Article 2

Banks apply good governance in the management of Customer accounts.

Article 3

(1) The management of Checking Accounts and Savings Accounts is classified into:
a. active accounts, namely accounts that have deposit, withdrawal, or balance inquiry activities; b. inactive accounts, namely accounts that do not have deposit, withdrawal, or balance inquiry activities for more than 360 days; and
c. dormant accounts, namely accounts that do not have deposit, withdrawal, or balance inquiry activities for more than 1800 days.

(2) Account activities for Checking Accounts and Savings Accounts generated by the bank's system are not included in the deposit or withdrawal activities as referred to in paragraph (1).

(3) Checking Accounts and Savings Accounts owned by Customers:
a. for specific purposes; b. with fixed-term features; or
c. in dispute,
are classified as active accounts.

(4) The application of the classification of Checking Accounts and Savings Accounts as referred to in paragraph (1) is carried out on each Checking Account and Savings Account for each Customer.

CHAPTER II

POLICIES AND PROCEDURES FOR THE MANAGEMENT OF CHECKING AND SAVINGS ACCOUNTS

Article 4

(1) Banks must have policies and procedures for the management of Checking Accounts and Savings Accounts containing at least:
a. notification to Customers upon the opening of Checking Accounts and Savings Accounts regarding the criteria for determining the classification of active, inactive, and dormant accounts, including the automatic closure of Checking Accounts and Savings Accounts; b. information to Customers through channels available on the Bank regarding the classification of Checking Accounts and Savings Accounts as referred to in Article 3 paragraph (1);
c. communication to Customers to make deposits, withdrawals, balance inquiries, or close Checking Accounts and Savings Accounts;
d. mechanisms in cases where Customers cannot be contacted; e. the imposition of administrative fees and the payment of interest/yield in the agreement between the Bank and the Customer; f. the inclusion of flagging in the bank's internal system for active accounts, inactive accounts, and dormant accounts, including separation from other accounts for reporting purposes; g. internal monitoring and control of inactive and dormant accounts; h. verification and validation for the reactivation of inactive and dormant accounts;
i. mechanisms for closing Checking Accounts and Savings Accounts through channels available on the Bank; and
j. the automatic closure of Checking Accounts and Savings Accounts for accounts with zero balances for a period of at most 6 (six) months.

(2) Banks are prohibited from imposing administrative fees as referred to in paragraph (1) letter e that result in accounts having negative balances.

(3) Banks must provide systems for the management of Checking Accounts and Savings Accounts and classify Checking Accounts and Savings Accounts according to the criteria for active, inactive, and dormant accounts as referred to in paragraph (1) letter f.

Article 5

(1) Banks must apply risk management in the management of Checking Accounts and Savings Accounts.

(2) The application of risk management as referred to in paragraph (1) must include at least:
a. active supervision by the Board of Directors, Board of Commissioners, and Sharia Supervisory Board; b. adequacy of risk management policies and procedures and the establishment of risk limits;
c. adequacy of risk identification, measurement, monitoring, control processes, and risk management information systems; and
d. comprehensive internal control systems.

Article 6

(1) Banks must apply consumer protection principles in the management of Checking Accounts and Savings Accounts.

(2) The application of consumer protection principles as referred to in paragraph (1) is implemented in accordance with financial services sector regulations.

(3) Banks violating the provisions as referred to in paragraph (1) are subject to sanctions in accordance with financial services sector regulations.

Article 7

(1) Banks must protect the personal data of Customers owning Checking Accounts and Savings Accounts.

(2) Personal data protection as referred to in paragraph (1) is implemented in accordance with regulations.

(3) Banks violating the provisions as referred to in paragraph (1) are subject to sanctions in accordance with regulations.

Article 8

(1) Banks must keep confidential information regarding Customers owning Checking Accounts and Savings Accounts.

(2) Customer confidentiality as referred to in paragraph (1) is implemented in accordance with regulations.

(3) Banks violating the provisions as referred to in paragraph (1) are subject to sanctions in accordance with regulations.

CHAPTER III

CUSTOMER OBLIGATIONS

Article 9

Customer obligations for owners of Checking Accounts and Savings Accounts include:
a. ensuring Checking Accounts and Savings Accounts are active by conducting balance inquiries at least 1 (one) time within 360 days; b. ensuring the accuracy of personal information, including mailing address, email address, and telephone number;
c. reading, understanding, and correctly implementing the agreement and terms for opening Checking Accounts and Savings Accounts at the Bank;
d. having good faith in the use of Checking Accounts and Savings Accounts; and e. providing information and/or documents regarding personal data that are clear, accurate, and correct.

CHAPTER IV

MANAGEMENT OF CHECKING AND SAVINGS ACCOUNTS WITH INACTIVE ACCOUNT CLASSIFICATION

Article 10

(1) Banks must provide information to Customers regarding the status of Checking Accounts and Savings Accounts when such accounts are classified as inactive accounts through channels available on the Bank.

(2) Banks deactivate the withdrawal features for inactive accounts.

(3) Banks reactivate inactive accounts after Customers submit a request for reactivation through channels available on the Bank.

CHAPTER V

MANAGEMENT OF CHECKING AND SAVINGS ACCOUNTS WITH DORMANT ACCOUNT CLASSIFICATION

Article 11

(1) Banks must provide information to Customers regarding the status of Checking Accounts and Savings Accounts when such accounts are classified as dormant accounts through channels available on the Bank.

(2) In addition to providing information as referred to in paragraph (1), Banks must make reasonable and sufficient efforts to:
a. provide information regarding the determination of Checking Accounts and Savings Accounts with dormant account classification to Customers; and b. request Customers to reactivate Checking Accounts and Savings Accounts.

(3) The reasonable and sufficient efforts as referred to in paragraph (2) are carried out at least 1 (one) time within:
a. 5 (five) years for Checking Accounts and Savings Accounts with balance values of up to Rp100,000,000.00 (one hundred million rupiah); b. 3 (three) years for Checking Accounts and Savings Accounts with balance values greater than Rp100,000,000.00 (one hundred million rupiah) up to a maximum of Rp1,000,000,000.00 (one billion rupiah); or
c. 1 (one) year for Checking Accounts and Savings Accounts with balance values greater than Rp1,000,000,000.00 (one billion rupiah).

(4) Banks administer the form of information delivery for dormant accounts as referred to in paragraph (1) and paragraph (2) within the bank's internal records.

(5) Banks deactivate the withdrawal and deposit features for dormant accounts.

(6) Banks pay interest/yield on funds in dormant accounts.

(7) Banks may impose administrative fees on funds in dormant accounts.

Article 12

(1) Banks reactivate dormant accounts after Customers submit a request for reactivation through channels available on the Bank.

(2) Before carrying out reactivation as referred to in paragraph (1), Banks must conduct customer due diligence procedures in accordance with regulations.

(3) Based on the results of customer due diligence, Banks may approve or reject the request for reactivation of dormant accounts.

(4) Banks designate dormant accounts as active accounts after Banks approve the Customer's request for reactivation.

(5) Banks reject requests for reactivation of dormant accounts if such accounts meet certain criteria.

Article 13

(1) Banks manage accounts of Customers owning Checking Accounts and Savings Accounts classified as dormant accounts for up to 30 (thirty) years past the due date.

(2) Funds in Checking Accounts and Savings Accounts classified as dormant accounts as referred to in paragraph (1) cannot become the property of the Bank or cannot be calculated as Bank revenue.

(3) After 30 (thirty) years have passed, Banks settle Checking Accounts and Savings Accounts classified as dormant accounts in accordance with regulations.

CHAPTER VI

SUPERVISION OF INACTIVE AND DORMANT ACCOUNTS

Article 14

(1) Banks must conduct stricter supervision of inactive and dormant accounts in the implementation of anti-money laundering, counter-terrorism financing, and counter-proliferation financing of weapons of mass destruction programs.

(2) The implementation of anti-money laundering, counter-terrorism financing, and counter-proliferation financing of weapons of mass destruction programs as referred to in paragraph (1) is carried out in accordance with regulations.

(3) In the event of suspicious financial transactions in inactive or dormant accounts suspected of having elements of money laundering, counter-terrorism financing, and/or counter-proliferation financing of weapons of mass destruction crimes, officers supervising inactive and dormant accounts report to the unit handling anti-money laundering, counter-terrorism financing, and counter-proliferation financing of weapons of mass destruction for further verification.

(4) In the event that verification results as referred to in paragraph (3) reveal transactions suspected of being money laundering, counter-terrorism financing, and/or counter-proliferation financing of weapons of mass destruction crimes, the unit handling anti-money laundering, counter-terrorism financing, and counter-proliferation financing of weapons of mass destruction follows up in accordance with regulations.

Article 15

(1) Banks must conduct stricter supervision of inactive and dormant accounts in the implementation of anti-fraud strategies.

(2) The implementation of anti-fraud strategies as referred to in paragraph (1) is carried out in accordance with regulations.

(3) In the event of transactions in active or dormant accounts suspected of having fraud indicators, officers supervising inactive and dormant accounts report to the work unit or function responsible for implementing anti-fraud strategies for further verification.

(4) In the event that verification results as referred to in paragraph (3) reveal transactions suspected of fraud, the work unit or function responsible for implementing anti-fraud strategies follows up in accordance with regulations regarding anti-fraud strategies.

(5) In the event of suspected fraud transactions constituting money laundering crimes, Banks report to the center for reporting and analysis of financial transactions.

CHAPTER VII

ADMINISTRATIVE SANCTIONS

Article 16

(1) Banks violating the provisions as referred to in Article 4, Article 5 paragraph (1), Article 10 paragraph (1), Article 11 paragraph (1), paragraph (2), Article 12 paragraph (2), Article 14 paragraph (1), and/or Article 15 paragraph (1) are subject to administrative sanctions in the form of written warnings.

(2) In the event that Banks have been subject to administrative sanctions as referred to in paragraph (1) and have not fulfilled the provisions as referred to in Article 4, Article 5 paragraph (1), Article 10 paragraph (1), Article 11 paragraph (1), paragraph (2), Article 12 paragraph (2), Article 14 paragraph (1), and/or Article 15 paragraph (1), Banks are subject to administrative sanctions in the form of:
a. prohibition to issue new products; b. suspension of certain business activities;
c. prohibition to expand business activities;
d. prohibition to conduct new business activities; and/or e. reduction of governance factor assessment in health level assessments.

CHAPTER VIII

OTHER PROVISIONS

Article 17

Compliance with the provisions as referred to in Article 4 and Article 10 paragraph (1) is implemented at the latest 6 (six) months from the date this Financial Services Authority Regulation is enacted.

Article 18

The Financial Services Authority may establish different policies from this Financial Services Authority Regulation based on specific considerations.

CHAPTER IX

TRANSITIONAL PROVISIONS

Article 19

Upon the commencement of this Financial Services Authority Regulation:
a. Checking Accounts and Savings Accounts identified as dormant accounts before this Financial Services Authority Regulation takes effect and meeting the criteria as referred to in Article 3 paragraph (3) are designated as active accounts. b. Checking Accounts and Savings Accounts identified as dormant accounts before this Financial Services Authority Regulation takes effect and not meeting the criteria as referred to in Article 3 paragraph (3) are designated as inactive accounts.
c. Inactive accounts as referred to in letter b are designated as dormant accounts as referred to in Article 3 paragraph (1) letter c on the 1440th day.

CHAPTER X

CLOSING PROVISIONS

Article 20

Upon the commencement of this Financial Services Authority Regulation, the provisions of Article 6 paragraph (6) of Financial Services Authority Regulation Number 1/POJK.03/2022 concerning Financial Services without Branch Offices in the Context of Inclusive Finance (State Gazette of the Republic of Indonesia Year 2022 Number 10, Supplement to the State Gazette of the Republic of Indonesia Number 6759) are repealed and declared invalid.

Article 21

This Financial Services Authority Regulation takes effect upon the date of enactment.

In order that everyone knows it, it is ordered to promulgate this Financial Services Authority Regulation by placing it in the State Gazette of the Republic of Indonesia.

Established in Jakarta on 4 November 2025

THE CHAIRMAN OF THE COMMISSIONERS' COUNCIL
FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA,

MAHENDRA SIREGAR

Enacted in Jakarta on [Date]

THE MINISTER OF LAW OF THE REPUBLIC OF INDONESIA,

SUPRATMAN ANDI AGTAS

STATE GAZETTE OF THE REPUBLIC OF INDONESIA YEAR 2025 NUMBER [Number]

EXPLANATION

OF

FINANCIAL SERVICES AUTHORITY REGULATION

OF THE REPUBLIC OF INDONESIA

NUMBER 24 OF 2025

ON

ACCOUNT MANAGEMENT AT COMMERCIAL BANKS

I. GENERAL

As an institution that collects funds from the public, Banks play an important role in conducting banking business activities, including managing Customer accounts. Account management conducted in accordance with good governance principles is necessary to ensure protection for all Customers and to prevent fraud or misuse practices. The application of good governance over Customer account management aligns with the provisions of Law Number 7 of 1992 concerning Banking as amended several times, most recently by Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector.

Account management at Banks regulated by the internal policies of each Bank results in variations in practices regarding account opening, closure, and reactivation procedures, the determination of criteria for inactive or dormant accounts, and the notification mechanisms to customers. These variations cause uncertainty in Customer rights and obligations and differences in banking service implementation across Banks.

Based on this, the standardization of regulations for Customer account management is necessary to minimize differences in treatment, protect Customer interests, and ensure transparency and procedural certainty for all interested parties, thereby necessitating the establishment of a Financial Services Authority Regulation concerning Account Management at Commercial Banks.

Generally, this Financial Services Authority Regulation contains main materials arranged systematically, including criteria for accounts (active, inactive, and dormant), Customer account management, policies and procedures for account activation, Bank communication with Customers regarding account status, and Customer obligations to maintain accounts in active condition.

II. ARTICLE BY ARTICLE EXPLANATION

Article 1

Sufficiently clear.

Article 2

Sufficiently clear.

Article 3

Paragraph (1)

Letter a
Example:
Customer "ABC" opens a Savings Account at Bank "XYZ" on January 1, 2027. From January 1, 2027, to November 1, 2027, Customer "ABC" does not withdraw or deposit funds into the Savings Account. Customer "ABC" checks the balance of the Savings Account on November 30, 2027, via mobile banking, so Customer "ABC"'s Savings Account is classified as an active account.

Letter b
Accounts are classified as inactive accounts starting from the 361st day.
Example:
Customer "KCB" opens a Checking Account at Bank "LCM" on January 1, 2027. Customer "KCB" last performed a cash withdrawal on February 15, 2027, and thereafter did not conduct deposit, withdrawal, or balance inquiry activities on the Checking Account for 360 (three hundred sixty) days, until February 9, 2028. Thus, Customer "KCB"'s Checking Account is designated as an inactive account starting from February 10, 2028, which is the 361st day.

Letter c
Accounts are classified as dormant accounts starting from the 1801st day.
Example:
Customer "KCB"'s Checking Account at Bank "LCM" was designated as an inactive account starting from February 10, 2028. Subsequently, Customer "KCB" did not request reactivation through channels available at Bank "LCM" until February 14, 2032, so there were no deposit, withdrawal, or balance inquiry activities on the Checking Account until the 1800th day. Thus, Customer "KCB"'s Checking Account is designated as a dormant account on February 15, 2032, which is the 1801st day.

Paragraph (2)
Account activities for Checking Accounts and Savings Accounts generated by the bank's system include, among others, payment of account interest, deduction of tax obligations, imposition of administrative fees, and automatic debit based on standing instructions from Customers owning Checking Accounts and Savings Accounts.

Paragraph (3)

Letter a
Examples of Checking Accounts and Savings Accounts owned by Customers for specific purposes:
Basic savings accounts, Hajj savings accounts, Cash Waqf Linked Deposit savings accounts, pensioner accounts, accounts blocked as credit guarantees, escrow accounts, accounts in the context of government programs (including People's Business Credit, social assistance, and foreign exchange proceeds from natural resource exports), and Customer investment funds accounts.

Letter b
Examples of Savings Accounts owned by Customers with fixed-term features:
Religious planning savings accounts and non-religious activity planning savings accounts (Education planning savings accounts and Marriage planning savings accounts).

Letter c
Examples of Savings Accounts owned by Customers in dispute:
Accounts in dispute include inheritance accounts before distribution and accounts blocked by law enforcement agencies in the process of law enforcement.

Paragraph (4)
Example:
Customer "LAM" has 1 (one) Checking Account and 2 (two) Savings Accounts at Bank "KLM" namely:
a. Checking Account "DEF" (active status); b. Savings Account "HIJ" (inactive status); and
c. Savings Account "PQR" (active status).
Accounts classified as inactive accounts are only Savings Account "HIJ".

Article 4

Paragraph (1)

Letter a
Sufficiently clear.

Letter b
Examples of channels available on Banks include internet banking, mobile banking applications, automated teller machines (ATMs), and Customer service at Bank office networks.

Letter c
Sufficiently clear.

Letter d
Sufficiently clear.

Letter e
Sufficiently clear.

Letter f
Sufficiently clear.

Letter g
Sufficiently clear.

Letter h
Sufficiently clear.

Letter i
See explanation of letter b.

Letter j
Sufficiently clear.

Paragraph (2)
Example:
The balance of Customer "CRJ"'s account as of December 31, 2026, is Rp9,000.00 (nine thousand rupiah). The monthly account administrative fee is Rp10,000.00 (ten thousand rupiah), so in December 2026, the Bank only imposes an account administrative fee of Rp9,000.00.

(nine thousand rupiah) up to a zero-balance account. There are no incoming transactions to the customer's account in January 2027, and the Bank does not charge administrative fees because the account balance is zero. If in February 2027 there are incoming funds amounting to Rp200,000.00 (two hundred thousand rupiah) into the account, then the Bank begins charging an administrative account fee of Rp10,000.00 (ten thousand rupiah) in February 2027.

Paragraph (3)
Clear enough.

Article 5
Paragraph (1)
Clear enough.
Paragraph (2)
Letter a
Active supervision by the Sharia supervisory board is conducted for banks conducting business activities based on Sharia principles.
Letter b
Clear enough.
Letter c
Clear enough.
Letter d
Clear enough.

Article 6
Paragraph (1)
Clear enough.
Paragraph (2)
What is meant by "provisions of legislation in the financial services sector" includes, among others, regulations of the Financial Services Authority regarding consumer and public protection in the financial services sector. Paragraph (3) See explanation of paragraph (2).

Article 7
Paragraph (1)
Clear enough.
Paragraph (2)
What is meant by "provisions of legislation" includes, among others, laws regarding personal data protection.
Paragraph (3)
See explanation of paragraph (2).

Article 8
Paragraph (1)
Clear enough.
Paragraph (2)
What is meant by "provisions of legislation" includes, among others, laws regarding banking, laws regarding Sharia banking, and regulations of the Financial Services Authority regarding bank secrecy.

Paragraph (3)
See explanation of paragraph (2).

Article 9
Letter a
Clear enough.
Letter b
Clear enough.
Letter c
Clear enough.
Letter d
Having good faith includes, among others, not using Checking and Savings accounts for illegal acts and not selling or buying Checking and Savings accounts. Letter e Clear enough.

Article 10
Paragraph (1)
See explanation of Article 4 paragraph (1) letter b.
Paragraph (2)
Clear enough.
Paragraph (3)
Clear enough.

Article 11
Paragraph (1)
See explanation of Article 4 paragraph (1) letter b.
Paragraph (2)
Letter a
Information submission can be done, among others, through written communication, namely through written letters or electronic mail, and meetings between the Bank and the Customer. Letter b Clear enough. Paragraph (3) Clear enough. Paragraph (4) Clear enough. Paragraph (5) Clear enough. Paragraph (6) The provision of interest/yield on funds in dormant accounts is in accordance with the Bank's policy. Example:
a. The Bank provides interest of 0% (zero percent) for Savings under Rp10,000,000.00 (ten million rupiah) and 0.5% (zero point five percent) for Savings above Rp10,000,000.00 (ten million rupiah). b. The Bank provides profit-sharing with a nisbah ratio between the Bank and the Customer of 70%:30% for the average balance of Mudharabah Savings under Rp10,000,000.00 (ten million rupiah) and a nisbah ratio between the Bank and the Customer of 60%:40% for

the average balance of Mudharabah Savings above Rp10,000,000.00 (ten million rupiah).
Paragraph (7)
Clear enough.

Article 12
Paragraph (1)
Clear enough.
Paragraph (2)
What is meant by "provisions of legislation" includes, among others, laws regarding the prevention and eradication of money laundering crimes.
Paragraph (3)
Clear enough.
Paragraph (4)
Clear enough.
Paragraph (5)
What is meant by "certain criteria" includes, among others:
a. there are suspicious financial transactions related to indications of money laundering crimes or other crimes; b. the Bank doubts the information provided by the Customer;
c. the Customer refuses to provide information or supporting documents requested by the Bank; or
d. other criteria that can be accounted for.

Article 13
Paragraph (1)
Clear enough.
Paragraph (2)
Clear enough.
Paragraph (3)
What is meant by "provisions of legislation" includes, among others, the Civil Code and laws regarding religious courts.

Article 14
Paragraph (1)
Clear enough.
Paragraph (2)
What is meant by "provisions of legislation" refers to provisions of legislation regarding the implementation of anti-money laundering programs, prevention of terrorism financing, and prevention of proliferation financing of weapons of mass destruction. Paragraph (3) Clear enough. Paragraph (4) See explanation of paragraph (2).

Article 15
Paragraph (1)
Clear enough.

Paragraph (2)
What is meant by "provisions of legislation" refers to regulations of the Financial Services Authority regarding the implementation of anti-fraud strategies. Paragraph (3) Clear enough. Paragraph (4) See explanation of paragraph (2). Paragraph (5) Clear enough.

Article 16
Clear enough.
Article 17
Clear enough.
Article 18
Certain considerations include, among others, taking into account the Bank's resource and infrastructure readiness to adjust systems related to account management.
Article 19
Clear enough.
Article 20
Clear enough.
Article 21
Clear enough.
SUPPLEMENT TO THE STATE GAZETTE OF THE REPUBLIC OF INDONESIA NUMBER ⸙ ---