Bank Indonesia Perketat Izin Pembukaan Jaringan Kantor Bank - Bank Indonesia (BI) further deepen Bank Indonesia Regulation (PBI) No. 14/26/PBI/2012 related business activities and office networks based on the bank's core capital (multiple license). Going forward, the bank can only have a network of offices in accordance with its core capital.
Deputy Director of Banking Research and Regulation BI, Irwan Lubis, said BI adding variables to consider in opening an office network. The definition of a bank office network in the country is a branch office (KC), the regional office operations, branch offices (KCP), functional office (KF) operations, and cash offices. While overseas bank offices including branch, representative office, and the like.
"Later, the bank may open a branch network in accordance with the ownership of core capital," Irwan said in Jakarta, Thursday (7/2). Bank Book 4 has a core capital of Rp 30 trillion. Bank Book 3 has a core capital of Rp 5 trillion to less than Rp 30 trillion. Bank Book 2 has a minimum core capital of Rp 1 trillion to less than Rp 5 trillion. Finally, Bank Book 1 that have core capital below Rp 1 trillion.
Irwan explained, Bank Book 1 and 2 can only open a network of offices in the country. Bank Book 3 can open a network of offices in the country and abroad are limited in Asia. Bank Book 4 may open a network of offices in the country and abroad as a whole.
Equally important, each bank will open a network of offices in the saturated zone, shall be followed by the opening of an office network in the unsaturated zone by a certain ratio. Bank Indonesia membangi zoning Indonesian banking into six zones. Zones 1 and 2 is called the saturated zone is abundant network of bank offices. Zone 1 is the area of Jakarta that has been experiencing over capacity. While Zone 2 is the island of Java and Bali.
Next Zone 3 as East Kalimantan, North Sumatra and Riau Islands. Zone 4 as part of Borneo, Sumatra, and West Papua. Zone 5 is dominated eastern Indonesia. While Zone 6 is called the area a very minimal presence underbank bank. Three zones can be categorized recent unsaturated zone.
President Director of PT Bank Central Asia (BCA) Tbk, John Setiaatmadja, the judge did not consider the provisions of the zoning geographical Indonesia. Establishing a branch office is not the same as setting up stalls where they can stand on its own.
"Banks should undertake training and preparation so long that can not possibly be completed within a year or two, but the next 10-20 years," says John. Bank, judged, it will spend a very large operation. Although BCA ready just accept it, but this will be assessed Jahja inefficient.
However, according to BI research, banking in Indonesia actually have not implemented best efficiency. Research December 2011 to June 2012 shows the efficiency of the banks in the country is quite lagging behind banks of Southeast Asia, especially Thailand.
Bank Indonesia Research shows the efficiency of the Bank Book 1 in the 85-87 percent level. Efficiency Bank Book 2 about 75 percent. Efficiency Bank Book 3 about 70-75 per cent. Finally, the efficiency of the Bank Book 4 around 65-67 per cent. "But in Thailand, the position has reached 52 percent efficiency," said Irwan.
Deputy Director of Banking Research and Regulation BI, Irwan Lubis, said BI adding variables to consider in opening an office network. The definition of a bank office network in the country is a branch office (KC), the regional office operations, branch offices (KCP), functional office (KF) operations, and cash offices. While overseas bank offices including branch, representative office, and the like.
"Later, the bank may open a branch network in accordance with the ownership of core capital," Irwan said in Jakarta, Thursday (7/2). Bank Book 4 has a core capital of Rp 30 trillion. Bank Book 3 has a core capital of Rp 5 trillion to less than Rp 30 trillion. Bank Book 2 has a minimum core capital of Rp 1 trillion to less than Rp 5 trillion. Finally, Bank Book 1 that have core capital below Rp 1 trillion.
Irwan explained, Bank Book 1 and 2 can only open a network of offices in the country. Bank Book 3 can open a network of offices in the country and abroad are limited in Asia. Bank Book 4 may open a network of offices in the country and abroad as a whole.
Equally important, each bank will open a network of offices in the saturated zone, shall be followed by the opening of an office network in the unsaturated zone by a certain ratio. Bank Indonesia membangi zoning Indonesian banking into six zones. Zones 1 and 2 is called the saturated zone is abundant network of bank offices. Zone 1 is the area of Jakarta that has been experiencing over capacity. While Zone 2 is the island of Java and Bali.
Next Zone 3 as East Kalimantan, North Sumatra and Riau Islands. Zone 4 as part of Borneo, Sumatra, and West Papua. Zone 5 is dominated eastern Indonesia. While Zone 6 is called the area a very minimal presence underbank bank. Three zones can be categorized recent unsaturated zone.
President Director of PT Bank Central Asia (BCA) Tbk, John Setiaatmadja, the judge did not consider the provisions of the zoning geographical Indonesia. Establishing a branch office is not the same as setting up stalls where they can stand on its own.
"Banks should undertake training and preparation so long that can not possibly be completed within a year or two, but the next 10-20 years," says John. Bank, judged, it will spend a very large operation. Although BCA ready just accept it, but this will be assessed Jahja inefficient.
However, according to BI research, banking in Indonesia actually have not implemented best efficiency. Research December 2011 to June 2012 shows the efficiency of the banks in the country is quite lagging behind banks of Southeast Asia, especially Thailand.
Bank Indonesia Research shows the efficiency of the Bank Book 1 in the 85-87 percent level. Efficiency Bank Book 2 about 75 percent. Efficiency Bank Book 3 about 70-75 per cent. Finally, the efficiency of the Bank Book 4 around 65-67 per cent. "But in Thailand, the position has reached 52 percent efficiency," said Irwan.