Validation of the Expected Credit Loss (ECL) model is essential to ensure compliance with regulations such as POJK, PSAK, IFRS 9, and Basel II and III. This process not only supports regulatory compliance but also enhances credibility, governance, and investor confidence. The validation approach combines qualitative and quantitative assessments covering data inputs, model design, and … Read more
ILAAP complements regulatory ratios such as LCR and NSFR with a more comprehensive risk-based internal approach. Its implementation is phased according to bank categories, aiming to ensure liquidity resilience under both normal and stress conditions. ILAAP emphasizes alignment between risk profile, business strategy, and strong governance. It also introduces new liquidity risk metrics, enhanced stress … Read more
IPO provides broader access to funding, enhances credibility, and promotes the implementation of good corporate governance. However, the process requires comprehensive preparation, including financial, legal, operational, and investor communication aspects. The IPO journey consists of strategic planning, internal preparation, transaction execution, and post-IPO obligations. Each phase requires careful planning and professional support. The implementation of … Read more
BUSINESS SOLUTION Generative Artificial Intelligence:Business Optimization Solutions生成式人工智能：业务优化解决方案Generative Artificial Intelligence (AI):Solusi Optimalisasi Bisnis Banking CKPN: Validation of CalculationMethodology by an Independent Party银行信贷损失准备金：由独立方进行计算方法论验证Banking CKPN: Validasi MetodologiPerhitungan oleh Pihak Independen Bank Liquidity Adequacy: InternalLiquidity Adequacy Assessment Process银行流动性充足性：内部流动性充足性评估流程Bank Liquidity Adequacy: Proses PenilaianKecukupan Likuiditas Secara Internal IPO Readiness: Business TransformationToward Becoming a Public CompanyIPO 准备：迈向上市公司的业务转型IPO Readiness: Transformasi BisnisMenuju Perusahaan Publik … Read more
Pada tanggal 9 Januari 2026 telah diterbitkan Pengumuman Nomor PENG-2/PJ.09/2026 tentang Pelaksanaan Peraturan Menteri Keuangan Nomor 112 Tahun 2025 mengenai Tata Cara Penerapan Persetujuan Penghindaran Pajak Berganda. Sehubungan dengan telah diundangkannya Peraturan Menteri Keuangan Nomor 112 Tahun 2025 (PMK-112/2025), disampaikan bahwa penerapan Persetujuan Penghindaran Pajak Berganda (P3B) oleh Wajib Pajak Luar Negeri dilakukan dengan menggunakan … Read more
On 9 January 2026, Announcement Number PENG-2/PJ.09/2026 was issued concerning the implementation of Minister of Finance Regulation Number 112 of 2025 on the Procedures for the Application of Double Taxation Avoidance Agreements. Following the enactment of Minister of Finance Regulation Number 112 of 2025 (PMK-112/2025), it is hereby conveyed that the application of Double Taxation … Read more
On 9 January 2026, Announcement Number PENG-2/PJ.09/2026 was issued concerning the implementation of Minister of Finance Regulation Number 112 of 2025 on the Procedures for the Application of Double Taxation Avoidance Agreements. Following the enactment of Minister of Finance Regulation Number 112 of 2025 (PMK-112/2025), it is hereby conveyed that the application of Double Taxation … Read more
Pada tanggal 9 Januari 2026 telah diterbitkan Pengumuman Nomor PENG-2/PJ.09/2026 tentang Pelaksanaan Peraturan Menteri Keuangan Nomor 112 Tahun 2025 mengenai Tata Cara Penerapan Persetujuan Penghindaran Pajak Berganda. Sehubungan dengan telah diundangkannya Peraturan Menteri Keuangan Nomor 112 Tahun 2025 (PMK-112/2025), disampaikan bahwa penerapan Persetujuan Penghindaran Pajak Berganda (P3B) oleh Wajib Pajak Luar Negeri dilakukan dengan menggunakan … Read more
ANNUAL REPORTING OF COMPANIES THROUGH THE GMS At the end of 2025, the Government issued Minister of Law Regulation No. 49 of 2025 on the Requirements and Procedures for the Registration of Establishment, Amendment, and Dissolution of Limited Liability Companies (“MoHR Regulation 49/2025”), which came into force on 17 December 2025. This regulation replaces Minister … Read more
Pada akhir tahun 2025, pemerintah menerbitkan Peraturan Menteri Hukum Nomor 49 Tahun 2025 tentang Syarat dan Tata Cara Pendaftaran Pendirian, Perubahan, dan Pembubaran Badan Hukum Perseroan Terbatas (“Permenkum 49/2025”) yang mulai berlaku pada 17 Desember 2025. Peraturan ini menggantikan Permenkumham Nomor 21 Tahun 2021 dan membawa sejumlah penyesuaian terhadap tata cara administrasi Perseroan Terbatas. Permenkum … Read more
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