Compliance and GRC for banks and financial services in Indonesia

Financial institutions in Indonesia answer to more than one regulator at once, and which rules apply depends on what kind of institution you run. This page is a short map of that, not a restatement of the detailed obligations, which live on their own pages. For what GRC and compliance work covers in general, see our Compliance & GRC service page.

Which regulation applies to your institution

Go deeper for your segment

Commercial banks face the five control domains of SEOJK 29/2022: IT governance, asset management, access control, incident management, and third-party risk, on top of the two incident-reporting clocks. Our commercial bank cybersecurity compliance guide sets out what each domain requires and how a gap assessment turns that into a prioritised roadmap.

Rural banks work to a different regulation with a longer runway. POJK 34/2025 takes effect 18 December 2026 and covers IT governance, risk management, disaster recovery, information security, and periodic IT audit, sized to a BPR's scale rather than a commercial bank's. Our BPR compliance guide under POJK 34/2025 covers the obligations and the transition timeline in full.

Where monitoring and DPO work fit

GRC consulting covers governance, policy, gap assessment, and audit preparation, the parts of compliance that are documented and reviewed rather than run continuously. Continuous monitoring and the OJK incident-reporting clock are handled through our SOC-as-a-Service for banks. The UU PDP appointment obligation and financial-sector DPO duties have their own page, DPO-as-a-Service for banks, since the two are related but not the same programme.

If you are not sure which framework applies to your institution or where the gaps sit, our team can walk through it with you and set out a concrete first step.