OJK to Revise RBB Regulations: What Bankers Need to Know

Jakarta, CNBC Indonesia — The Financial Services Authority (OJK) is pushing banks to channel credit to government priority programmes through a revision of Regulation No. 5/POJK.03/2016 on bank business plans (RBB).

OJK’s Executive Head of Banking Supervision, Dian Ediana Rae, has urged banks to continue paying attention to risk management in every credit disbursement to customers.

“Nevertheless, banks are asked to continue paying attention to risk management,” she said, quoted from Instagram @ojkindonesia on Tuesday (21/4/2026).

Dian explained that OJK views government programmes as one of the business potentials that banks can utilise for credit channelling. However, banks must still pay attention to risk management and good governance.

“The revision of the RBB regulation related to credit channelling, including credit to government strategic programmes and SMEs, is intended so that banks have directed, measurable, and sustainable planning through the preparation of RBB,” she clarified.

She emphasised that the intended credit channelling is not mandatory. Thus, banks still have the flexibility to implement credit channelling strategies according to their respective risk preferences and risk tolerance.

“It should be understood that the credit decision-making carried out by banks is based on business judgement, considering that banks manage public funds,” she concluded.

Previously, BTN President Director Nixon L.P. Napitupulu stated that the RBB POJK revision currently being drafted is not new, merely detailing banks’ support plans for government programmes in a special attachment in the RBB.

Nevertheless, BTN, which focuses on housing finance, stated that it will not participate in financing the Red and White Village Cooperative (KDMP).

“For KDMP, we have indeed been decided not to participate. It’s not us who requested it; we were decided not to participate. That’s from the government, from the Ministry of Finance,” Nixon said.

BTN stated that it participates in supporting many government housing programmes, such as KUR Perumahan, KPP, FLPP, corporate financing for housing infrastructure, and others.

Nixon revealed that the state-owned bank will also subsequently participate in food financing. In this regard, BTN will channel financing to state-owned food companies such as Bulog and ID FOOD.

“So, of course, we support national interests, and that is indeed our main programme,” he said.