{"id":574107,"date":"2024-12-18T21:19:20","date_gmt":"2024-12-18T14:19:20","guid":{"rendered":"https:\/\/vibiznews.com\/?p=574107"},"modified":"2024-12-18T21:19:20","modified_gmt":"2024-12-18T14:19:20","slug":"perkuat-bank-umum-ojk-terbitkan-ketentuan-perubahan-tentang-lcr-dan-nsfr","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/12\/18\/perkuat-bank-umum-ojk-terbitkan-ketentuan-perubahan-tentang-lcr-dan-nsfr\/","title":{"rendered":"Perkuat Bank Umum, OJK Terbitkan Ketentuan Perubahan Tentang LCR dan NSFR"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) telah menerbitkan sekaligus Peraturan Otoritas Jasa Keuangan (POJK) Nomor 19 dan Nomor 20 Tahun 2024.<\/p>\n<h5 style=\"text-align: justify;\">POJK Nomor 19 Tahun 2024 tentang Kewajiban Pemenuhan Rasio Kecukupan Likuiditas (<em>Liquidity Coverage Ratio<\/em>\/LCR) bagi Bank Umum. Dan POJK Nomor 20 Tahun 2024 tentang Kewajiban Pemenuhan Rasio Pendanaan Stabil Bersih (<em>Net Stable Funding Ratio<\/em>\/NSFR) bagi Bank Umum.<\/h5>\n<p style=\"text-align: justify;\">POJK 19\/2024 merupakan perubahan atas POJK 50\/ POJK.03\/2017 tentang kewajiban pemenuhan rasio pendanaan stabil bersih (net stable funding ratio) bagi bank umum.<br \/>\nSementara POJK 20\/2024 merupakan perubahan atas POJK 42\/ POJK.03\/2015 tentang kewajiban pemenuhan rasio kecukupan likuiditas (<em>liquidity coverage ratio<\/em>) bagi bank umum.<\/p>\n<p style=\"text-align: justify;\">Kedua POJK ini didasari bahwa bank perlu memiliki likuiditas yang kuat dan memadai untuk menciptakan sistem perbankan yang sehat. Juga mampu berkembang dan bersaing secara nasional maupun internasional, serta sejalan dengan perkembangan standar internasional.<\/p>\n<p style=\"text-align: justify;\">Dalam dua POJK ini OJK menilai bahwa untuk menilai kecukupan likuiditas, diperlukan rasio likuiditas yang setara, dapat diandalkan. Dan dapat diperbandingkan dalam menilai kecukupan kuantitas aset keuangan yang berkualitas tinggi untuk mengantisipasi arus kas keluar bersih (<em>net cash outflow<\/em>).<\/p>\n<p style=\"text-align: justify;\">Selain itu, kedua POJK dimaksud juga mengatur perluasan cakupan kewajiban pemantauan, perhitungan, dan pelaporan LCR. Serta NSFR menjadi berlaku untuk seluruh Bank Umum Konvensional (BUK). Di mana sebelumnya BUK yang termasuk kelompok bank berdasarkan modal inti (KBMI) 1 selain bank asing. Tidak menjadi cakupan pengaturan LCR dan NSFR.<\/p>\n<h5 style=\"text-align: justify;\">Perluasan tersebut dilakukan mengingat pemeliharaan rasio LCR dan NSFR ditujukan untuk mendukung penguatan likuiditas perbankan, sehingga dibutuhkan rasio yang setara. Dapat diandalkan, dan dapat diperbandingkan yang berlaku bagi seluruh BUK.<\/h5>\n<p style=\"text-align: justify;\">Selain perubahan cakupan, POJK Perubahan POJK LCR ini mengatur antara lain penyesuaian kriteria High Quality Liquid Asset (HQLA), tata cara pelaporan, dan payung pengaturan kewajiban terkait Internal Liquidity Adequacy Assessment Process (ILAAP).<\/p>\n<p style=\"text-align: justify;\">Sementara itu, POJK Perubahan POJK NSFR mengatur antara lain terkait penyesuaian Cadangan Kerugian Penurunan Nilai (CKPN) yang dapat diperhitungkan serta tata cara pelaporan<\/p>\n<p style=\"text-align: justify;\">POJK ini merupakan bagian dari komitmen OJK untuk tetap menjaga prinsip kehati-hatian di sektor perbankan, terutama dalam memperkuat ketahanan likuiditas. Diharapkan peraturan ini dapat meningkatkan kapasitas perbankan dalam mengelola likuiditas baik jangka pendek maupun jangka panjang.<\/p>\n<p style=\"text-align: justify;\">Sehingga memperkuat fungsi intermediasi dan mendukung perekonomian nasional. Kedua POJK ini mulai berlaku pada tanggal diundangkan.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) telah menerbitkan sekaligus Peraturan Otoritas Jasa Keuangan (POJK) Nomor 19 dan Nomor 20 Tahun 2024. POJK Nomor 19 Tahun 2024 tentang Kewajiban Pemenuhan Rasio Kecukupan Likuiditas (Liquidity Coverage Ratio\/LCR) bagi Bank Umum. Dan POJK Nomor 20 Tahun 2024 tentang Kewajiban Pemenuhan Rasio Pendanaan Stabil [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":500615,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353],"tags":[14818,14819],"class_list":["post-574107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-liquidity-coverage-ratio-lcr","tag-net-stable-funding-ratio-nsfr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perkuat Bank Umum, OJK Terbitkan Ketentuan Perubahan Tentang LCR dan NSFR - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"POJK Nomor 19 Tahun 2024 tentang Kewajiban Pemenuhan Rasio Kecukupan Likuiditas (Liquidity Coverage Ratio\/LCR) bagi Bank Umum. 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