Banking & Finance Law | Yolanda Law & Partners

Navigating Indonesia's Financial Regulations

Complex financial transactions require specialized legal expertise in Indonesia's evolving regulatory environment.

Our banking and finance law team provides comprehensive legal services to financial institutions, corporate borrowers, and investors. We combine deep knowledge of OJK and BI regulations with practical transaction experience to deliver results-focused solutions.

With extensive experience in syndicated loans, project finance, and regulatory compliance, we help clients structure transactions that meet both business objectives and regulatory requirements.

Consult Our Finance Team

Key Indonesian Financial Regulations

OJK Regulation No. 17/POJK.03/2020

Commercial Bank Licensing and Institutional Requirements

BI Regulation No. 23/6/PBI/2021

Implementation of Anti-Money Laundering Programs

OJK Regulation No. 11/POJK.03/2022

Commercial Bank Risk Management

Law No. 4 of 2023

Development and Strengthening of the Financial Sector

Our Banking & Finance Services

Comprehensive legal support for all aspects of financial transactions

Lending Transactions

Structuring and documenting secured and unsecured credit facilities.

Syndicated loans
Bilateral credit facilities
Islamic financing
Security documentation

Project Finance

Structuring finance for infrastructure and energy projects.

PPP arrangements
Risk allocation
Security packages
Government guarantees

Regulatory Compliance

Advising on compliance with OJK and BI regulations.

Licensing applications
AML programs
Reporting requirements
Compliance audits

Capital Markets

Advising on debt and equity capital market transactions.

Bond issuances
Sukuk offerings
IPO preparation
Prospectus review

Restructuring & Insolvency

Advising lenders and borrowers in financial distress.

Debt restructuring
PKPU proceedings
Bankruptcy petitions
Creditor protection

Fintech & Digital Banking

Legal support for innovative financial services.

Payment systems
Peer-to-peer lending
Digital bank licensing
Crypto regulations

Our Finance Transaction Process

Structured approach to complex financial transactions

1

Transaction Structuring

We analyze your objectives and market conditions to develop optimal transaction structures that comply with Indonesian regulations while meeting business goals.

2

Due Diligence

Comprehensive review of all legal aspects including corporate authority, security interests, regulatory compliance, and risk factors.

3

Documentation

Drafting and negotiating facility agreements, security documents, and ancillary paperwork in both Bahasa Indonesia and English.

4

Regulatory Approvals

Assisting with OJK notifications, BI reporting requirements, and other regulatory filings as needed for the transaction.

5

Closing & Perfection

Coordinating closing mechanics and ensuring proper perfection of security interests through Fiducia registration or other methods.

Key Indonesian Banking Regulations

Recent regulatory updates we monitor for our clients

Regulation	Issuing Authority	Effective Date	Key Focus
POJK No. 12/2023	OJK	March 2023	Digital Bank Licensing
PBI No. 24/2022	Bank Indonesia	July 2022	Payment System Security
POJK No. 38/2021	OJK	January 2022	Commercial Bank Governance
Law No. 4/2023	DPR	September 2023	Financial Sector Development
POJK No. 17/2020	OJK	July 2020	Bank Licensing Requirements

Request Regulatory Update

Banking & Finance Success Stories

Recent transactions and matters we've handled

$500M Syndicated Loan

Indonesian infrastructure project

Advised lender consortium on $500M syndicated loan facility for toll road development. Structured security package involving land collateral, receivables assignment, and corporate guarantees. Navigated complex land certification issues and obtained all necessary permits.

Result: Facility successfully closed with all security perfected ahead of construction schedule.

Bank Restructuring

Mid-sized Indonesian commercial bank

Assisted bank in comprehensive restructuring following OJK findings. Revised governance policies, implemented new risk management framework, and prepared successful license amendment application. Conducted training for directors and commissioners on enhanced compliance obligations.

Result: OJK approved restructuring plan with no enforcement actions.

What Our Clients Say

Testimonials from banking and finance clients

"Yolanda Law's finance team handled our $600M refinancing with exceptional attention to detail. Their knowledge of Indonesian security perfection requirements saved us significant time."

David Eddling

Director, *******

"When we needed to establish our digital bank in Indonesia, Yolanda Law guided us through the complex OJK licensing process efficiently."

Linda lock

CEO, ********

"Their restructuring team achieved remarkable results in our debt reorganization, negotiating with creditors while protecting our core assets."

NewmanJohnstone

CFO, ********

Banking & Finance Law Services