Pada 13 September 2015, Indonesia Investments menerbitkan edisi terbaru dari newsletternya. Newsletter gratis ini, yang dikirimkan kepada para pelanggan kami sekali seminggu, berisi berita-berita paling penting dari Indonesia yang telah dilaporkan di website kami dalam tujuh hari terakhir. Kebanyakan topik berkaitan dengan isu-isu ekonomi seperti paket kebijakan ekonomi pemerintah, stabilitas keuangan negara ini, pertumbuhan produk domestik bruto (PDB), pertambangan batubara, minyak sawit mentah, dan banyak lagi.

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One of the leading banks in Indonesia, Bank Rakyat Indonesia (BRI), opened its first branch in Singapore on Wednesday (29/07), located in the heart of the Lion City at OUE Bayfront, 50 Collyer Quay (near Marina Bay). Today, the new office of BRI was inaugurated by Indonesian Coordinating Minister for Economic Affairs Sofyan Djalil, and the opening ceremony was witnessed by Minister of State-Owned Enterprises Rini Soemarno, and Chairman of the Board of Commissioners of the Financial Services Authority (OJK) Muliaman D. Hadad.

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Indonesian President Joko Widodo stated during the launch of the “I Love Sharia Finance Program” that Indonesia should become the global center for Islamic finance (also known as sharia banking). The program, initiated by the country’s Financial Services Authority (OJK), was launched in Jakarta on Sunday (14/06). Islamic finance is a form of banking or banking activity that is consistent with the principles of sharia (Islamic law). In recent years, the global market for sharia-compliant financial instruments has risen robustly.

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The Rabobank Group, a Dutch multinational banking and financial services company with its headquarters in Utrecht, has injected USD $35 million worth of capital into its Indonesian subsidiary Rabobank Indonesia. Martyn Schouten, President Director at Rabobank Indonesia, said that the capital injection is carried out to support Rabobank Indonesia’s business expansion in Southeast Asia’s largest economy. He added that the Indonesian unit will play an increasingly important role in international business of the Rabobank Group.

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While other leading Indonesian banks are eager to expand business by opening branches in neighbouring countries, Bank Central Asia (BCA) stays focused on the domestic market. BCA, Indonesia’s largest private bank, is eyeing to acquire several smaller banks in Indonesia as part of its (inorganic) business growth model this year. BCA seeks smaller banks that have good financial performance, match with BCA’s business and are not too expensive (with a price to book value of between one and two times).

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State-controlled Bank Mandiri, the leading bank in Indonesia in terms of asset size, will be allowed to open 20 branches in Malaysia after financial authorities in Indonesia and Malaysia signed an agreement. Although Muliaman D Hadad, Chief Commissioner at Indonesia’s Financial Services Authority (OJK), said that the government of Malaysia still needs to ratify the agreement, it is expected that Bank Mandiri will be able to open its Malaysian branches before the end of the year.

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Global credit rating agency Fitch Ratings expects slowing credit growth in Indonesia to reduce systemic risks in the country’s banking sector. In a report entitled Macro-Prudential Risk Monitor, which was released on 3 March 2015, it was mentioned that the macro-prudential risk indicator (MPI) for Indonesia was lowered from '3' (high risk) to '2' (moderate risk). Primary reason for this risk cut was the slowdown in the country's real credit expansion to below 5 percent in 2014 (from a peak of almost 20 percent in 2011).

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Komisi XI DPR yang membidangi sektor perbankan nasional akan segera mengusulkan rancangan baru undang-undang yang membatasi kepemilikan asing di bank-bank Indonesia menjadi 40 persen (dari 99 persen saat ini). Bank yang sekarang dimiliki oleh pihak asing akan diberi waktu 10 tahun mendivestasikan sahamnya setelah rancangan undang-undang diloloskan menjadi undang-undang (konon rancangan sebelumnya memberikan jangka waktu pengalihan selama lima tahun untuk divestasi wajib tersebut).

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Bank Yudha Bhakti, an Indonesian commercial bank, is preparing an initial public offering (IPO) on the Indonesia Stock Exchange (IDX). The company will offer 300 million shares, or 11.9 percent of its enlarged equity, to the public and plans to raise IDR 34.5 billion (USD $2.8 million) as it offers the shares at IDR 115 per piece. The offering starts between 5 and 7 January 2015, while listing at the IDX is planned for 13 January 2015. Underwriters for the IPO are Semesta Indovest and Equator Securities.

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In a bid to enhance monitoring on Indonesia’s financial services sector, to deepen financial markets, and to widen people’s access to financial services, the Financial Services Authority (OJK) has introduced 20 new rules ranging from corporate governance to microfinance. The institution also revised Islamic banking rules involving asset quality and capital adequacy in an effort to increase the role of Islamic banking (sharia banking) in Indonesia’s financial system. Authorities target that Islamic banks hold more than 15 percent of the market by 2023.

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New York-based financial services firm Standard & Poor's stated that Indonesia's banking industry will feel the negative impact of Indonesia's sluggish economic growth in combination with persistently low commodity prices next year. This combination may weaken profitability of the nation's banking industry. S&P puts Indonesia's economic growth in 2016 at 5 percent (y/y), below the International Monetary Fund's and World Bank's forecast as well as the central government's target, all at 5.3 percent (y/y).

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Indonesia’s Financial Services Authority (OJK) issued a new regulation that simplifies the opening of a foreign currency bank account by a foreign national (expat). A circular, S-246/S.01/2015 (dated 15 September 2015 and signed by OJK Chairman Muliaman D. Hadad), has been sent to all directors of Indonesian commercial banks that conduct business in foreign currencies. This new rule, part of the economic policy package that was released by the Indonesian government on 9 September, aims to boost foreign currency funds in Indonesia and support the rupiah.

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Soon it will be easier for foreigners (expats) to have a foreign currency bank account (non-rupiah) in Indonesia. Muliaman D. Hadad, Chairman of the Financial Services Authority (OJK), stated it is bound to issue a new regulation that allows for easier banking in foreign currencies in Indonesia. This regulation is made in an effort to raise the country’s foreign exchange reserves and support the ailing rupiah.

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During Bank Indonesia’s Board of Governors it was decided on 18th August 2015 to hold the BI Rate at 7.50 percent, while maintaining the Deposit Facility rate at 5.50 percent and the Lending Facility rate at 8.00 percent. The decision is consonant with efforts to control inflation within the target corridor of 4±1 percent in 2015 and 2016. In the short term, Bank Indonesia (BI) is focused on efforts to stabilize the rupiah amid uncertainty in the global economy, by optimizing monetary operations in the rupiah and the foreign exchange market.

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Pihak-pihak berwenang keuangan Indonesia sedang mempertimbangkan untuk mempermudah kepemilikan asing di bank syariah lokal serta mempromosikan instrumen-instrumen finansial (taat syariah) baru dalam rangka menciptakan industri keuangan syariah yang lebih menarik untuk investor asing dan masyarakat Indonesia. Meskipun memiliki populasi Muslim terbesar di dunia dan merupakan negara dengan ekonomi berkembang yang dinamis, Indonesia hanya memainkan peran kecil dalam industri perbankan syariah global. Sementara itu, secara domestik, perbankan syariah masih jauh di belakang perbankan konvensional.

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Indonesia’s central bank (Bank Indonesia) decided to maintain its benchmark interest rate (BI rate) at 7.50 percent, the deposit facility rate at 5.50 percent and lending facility rate at 8.00 percent. This interest rate environment is considered to be in line with the central bank’s ongoing efforts to push the country’s inflation figure within its target of 4±1 percent for 2015 and 2016, as well as to control the country’s current account deficit towards a healthier level at 2.5-3 percent of gross domestic product (GDP) in the medium term.

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Perbankan syariah atau jasa keuagan syariah adalah potensi besar yang belum banyak dimanfaatkan di Indonesia, negara tempat tinggal 13% dari total populasi umat Muslim dunia. Mengingat hampir 90% dari 250 juta orang di Indonesia memeluk agama Islam, pangsa pasar jasa keuangan syariah masih sangat rendah sekarang. Dengan asetnya sebesar 24 miliar dollar Amerika Serikat (AS), bank-bank syariah di Indonesia hanya memiliki 4,9% dari jumlah total aset perbankan di 2013. Hal ini membuat Otoritas Jasa Keuangan (OJK) berencana meluncurkan roadmap lima tahun untuk mendongkrak perbankan syariah.

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Bank Indonesia (the central bank of Indonesia) and the Financial Services Authority (OJK) signed an agreement (the ASEAN Banking Integration Framework, abbreviated ABIF) with Malaysia’s central bank to support banking integration in the ASEAN region. The website of Bank Indonesia states that ABIF “provides an operating framework for ASEAN member states to implement principles and the integration process in the banking sector to support the ASEAN Economic Community (AEC) [which is to be implemented later this year]”.

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The Bank for International Settlements (BIS) wrote in its most recent report that emerging economies, which includes Indonesia, are highly vulnerable to severe capital outflows as investments from the West have been highly speculative and can be quickly pulled out from emerging markets. Even when only a light shock occurs, capital outflows will be significant as international investors have been showing ‘herd behaviour’. This behavior can rock the financial fundamentals of emerging markets and leave these countries shattered.

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The central bank of Indonesia (Bank Indonesia) kept its key interest rate (BI rate) at 7.50 percent for the tenth consecutive month as inflation is under control and well within the year-end target of the central bank (3.5-5.5 percent). The lending facility and deposit facility were kept at 7.50 percent and 5.75 percent, respectively, at Thursday’s Board of Governor’s Meeting (11/09). The central bank also expects that the current interest rate environment is capable of curbing the country’s wide current account deficit.

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