Investor Presentaiton
Principles of Macroprudential Intermediation Ratio (MIR)*
BHINNE
Regulation
MIR (Conventional Commercial Bank)
MIR Sharia (Sharia Banks and Sharia Business
Units)
Percentage of the securities
100%
held
7
Criteria for securities issued
•
medium-term notes (MTN), floating rate notes (FRN) • sharia-compliant medium-term notes (MTN) and/or
and/or bonds other than subordinated bonds
sukuk other than subordinated sukuk
• Issued by a nonbank corporation and by a resident
.
Offered to the public through a public offering
8 Securities Reporting
0
10
10
• Equivalent to investment grade rating affirmed by a rating agency
• Administrated by an authorised securities institution
Scope of deposits to meet
DD MIR/DD MIR Sharia
.
Relaxation of DD
MIR/Sharia DD MIR
Offline delivery mechanism (email)
Average daily total deposits in rupiah at all branch • Average daily total deposits in rupiah at all branch
offices in Indonesia
offices and sharia business units in Indonesia
• Including rupiah liabilities to a resident and non- •
resident third-party nonbank, consisting of: (i)
demand deposits, (ii) savings deposits; (iii) term
deposits, and (iv) other liabilities
Including rupiah liabilities to a resident and non-
resident third-party nonbank, consisting of: (i) wadiah
savings; (ii) unrestricted investment funds, and (iii)
other liabilities
Bank Indonesia may relax the provisions of the DD MIR/Sharia DD MIR based on credit/financing disbursement
and fund accumulation
• The provisions may be relaxed based on a request from a conventional commercial bank, Sharia bank or Sharia
business unit or a recommendation from the Financial Services Authority (OJK)
• Conventional commercial banks, Sharia banks or Sharia business units that receive the relaxed policy are exempt
from sanctions
*As part of further relaxation on macroprudential policy, an adjustment will be applied starting from December 2nd, 2019
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