Regulatory Alerts2025-09-17
Added · Updated
OJK Regulation No. 20 of 2025 on Liquidity Coverage Ratio and Net Stable Funding Ratio Requirements for Islamic Commercial Banks and Islamic Business Units
OJK Regulation No. 20 of 2025 mandates that Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) maintain a Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) of at least 100%. The regulation establishes a phased implementation schedule for the LCR, requiring 80% compliance by June 30, 2026, 90% by June 30, 2027, and 100% by June 30, 2028. It defines High Quality Liquid Assets (HQLA) limits, cash flow calculation methodologies, and reporting obligations for monthly and quarterly submissions. Non-compliance triggers administrative sanctions, including written reprimands, dividend restrictions, and business activity suspensions.
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