KLU 64110 - Central Bank

KBLI mapping

• Linked KBLI: 64110

Deskripsi KLU

This group includes banking activities that have the authority and right of the government to issue and circulate legal tenders, formulate and implement monetary policy, manage foreign exchange reserves, maintain and maintain the stability of the rupiah value, regulate and supervise banking, carry out the function of lender ofv the last resort and act as a government banker. This group includes the activities of Bank Indonesia, a state institution that functions as a Central Bank. - - - 1159 64121 GOVERNMENT BANKS/STATE-OWNED ENTERPRISES/COMPANIES This group includes bank activities whose capital is wholly or most wholly owned by the state as stated in the applicable Law on SOEs. Government Banks/SOEs/Persero are a group of foreign exchange banks whose main activities are to collect public funds in the form of current accounts, deposits and savings in the form of rupiah and foreign exchange as well as redistribute their funds in the form of providing credit, and serving foreign transactions. - - - 1160 64122 LOCAL GOVERNMENT BANK (BPD) FOREIGN EXCHANGE This group includes bank activities whose all or most of the capital is owned by the local government as stated in the applicable laws and regulations and has obtained a letter of appointment from Bank Indonesia to be able to carry out banking business activities in foreign exchange and/or conduct banking transactions with foreign parties. - - - 1161 64123 NON-FOREIGN EXCHANGE LOCAL GOVERNMENT BANKS (BPD) This group includes bank activities whose capital is wholly or most wholly owned by the local government as stated in the applicable laws and regulations and conducts business activities in rupiah and/or conducts banking transactions with domestic parties. - - - 1162 64124 MIXED AND FOREIGN BANKS This group includes the activities of mixed banks and foreign banks, including the group of foreign exchange banks whose main activities are to collect public funds in the form of current accounts, deposits and savings in the form of rupiah and foreign exchange and redistribute their funds in the form of credit, and serve foreign transactions. A Mixed Bank is a bank established with a shareholder composition owned by banks domiciled abroad and banks domiciled in Indonesia. Meanwhile, a Foreign Bank is a Branch Office that has an address and domicile in Indonesia from a Bank domiciled abroad, established under foreign law and headquartered abroad, which is directly or indirectly responsible to the head office of the Bank concerned as stated in the applicable provisions of Bank Indonesia. - - - 1163 64125 NATIONAL PRIVATE COMMERCIAL BANK OF FOREIGN EXCHANGE This group includes banking activities owned by the national private sector that have obtained a letter of appointment from Bank Indonesia to be able to carry out banking business activities in foreign exchange and/or conduct banking transactions with foreign parties. - - - 1164 64126 NATIONAL PRIVATE COMMERCIAL BANK NON-FOREIGN EXCHANGE This group includes bank activities owned by the national private sector that can carry out banking business activities in rupiah and/or conduct banking transactions with domestic parties. - - - 1165 64127 PEOPLE’S CREDIT BANK (BPR) This group includes banking activities that only accept deposits in the form of savings and deposits and provide small-scale credit in the short term to the community. - - - 1166 6413 1 SHARIA COMMERCIAL BANKS This group includes banking activities that run their business with sharia principles, where the main activity is to collect community funds in the form of savings and shirkah whose rules follow Islamic sharia and redistribute the funds in the form of credit. Sharia Commercial Bank is a Sharia Bank that in its activities provides services in payment traffic. For example, Bank Muamalat. - - - 1167 64132 SHARIA PEOPLE’S FINANCING BANK (BPR) This group includes banking activities that carry out their business with sharia principles, which only accept deposits in the form of savings and shirkah and provide small-scale loans in the short term to the community by following Islamic law. Sharia People’s Financing Bank (BPR) is a Sharia Bank that in its activities does not provide services in payment traffic. - - - 1168 64133 SHARIA BUSINESS UNIT This group includes the activities of the work unit of the head office of a Conventional Commercial Bank that functions as the parent office of the office or unit that carries out business activities based on sharia principles, or the work unit at the branch office of a bank domiciled abroad that carries out business activities conventionally which functions as the parent office of the sharia sub-branch office and/or sharia unit. - - - 1169 64140 SAVINGS AND LOAN COOPERATIVES/SAVINGS AND LOAN UNITS This group includes cooperative businesses whose activities accept deposits and provide loans for their members. This also includes cooperatives that have savings and loan units. - - - 1170 64150 BAITUL MAAL WANTANWIL (BMT) This group includes other banking activities other than those covered in subheadings 6411 to 6414. For example, Baitul Maal WanTanwil (BMT). - - - 1171 64190 OTHER MONETARY BROKERAGE SERVICES The mi group includes the receipt of deposits and/or the closure of deposits and the provision of credit or loans. Credit assistance can take various forms, such as loans, loans with collateral, credit cards and others. Mi activities are generally carried out by financial institutions other than the central bank, such as financial intermediary services that are not classified elsewhere, such as loan sharks, credit unions, 05 current account activities and postal savings banks, special institutions that are authorized to provide credit for home purchases and also take deposits and money order activities.

Tax norms and notes

• 10 provincial capitals norm: 62.5%
• Other provincial capitals norm: 62.5%
• Other areas norm: 62.5%
• Cross-check with DJP before filing tax returns.

Related tools

• PPh 21 TER calculator
• Tax rates

Why KLU should not be read as if it were KBLI

KLU is the tax layer, not the primary business-activity classification for every operational decision. In practice, KLU helps interpret tax norms, filing context, and reporting logic, while KBLI is used to describe the economic activity itself. The two layers should therefore be read together rather than treated as interchangeable.

How to use a KLU page correctly

Start from the real business activity and make sure the linked KBLI is still relevant. Then use the KLU page to read the norms, tax notes, and DJP validation points. If the KLU looks overly broad, the team should return to the activity mapping and re-check whether the cross-layer mapping is actually correct.

The risk of reading KLU in isolation

When KLU is read separately from KBLI and the real business structure, it often becomes just a tax-norm number without context. That weakens both budgeting and filing because the user may think the code is settled while the activity description, company records, and tax treatment are still misaligned.

Sources

This portal is informational. Confirm the final obligation and competent authority before filing, licensing, payroll, tax, or investment decisions. Read methodology.