Yes — open to PMA up to 100%.
Sector oversight by Financial Services Authority (OJK) / Bank Indonesia; NIB is the only license needed and Emerhub files it for you.
- Foreign ownership
- 100% PMA
- Sector regulator
- Financial Services Authority (OJK) / Bank Indonesia
- Min. paid-up capital
- IDR 2.5B paid-up · BKPM Reg. 5/2025
- Issuing authority for PMA
- Minister/Head of AgencyMinistry-issued
- Risk + license type
- Low·NIB only
- Setup timeline
- PT PMA setup 4–8 weeks (Emerhub-handled); NIB issued instantly.
What's specific to this sector
- 01
Banking, multi-finance, and securities activities require OJK authorization in addition to OSS NIB.
- 02
Foreign equity caps vary by sub-sector: 99% for commercial banks (subject to OJK approval), 85% for multi-finance, 99% for securities.
- 03
Capital requirements for banks/finance companies are set by OJK and are substantially higher than the standard PT PMA minimum.
