OJK Rolls Out Liquidity Thresholds for Sharia Banks: 100% LCR and NSFR Compliance Required by 2028

In an effort to create a robust and globally competitive sharia banking system, particularly through the maintaining of adequate short-term liquidity and long-term funding stability, the Financial Services Authority (Otoritas Jasa Keuangan– “ OJK ”) has issued Regulation No. 20 of 2025 (“ Regulation 20/2025 ”) on the Mandatory Fulfillment of the Liquidity Coverage Ratio (“ LCR ”) and the Net Stable Funding Ratio (“ NSFR ”) by Sharia Commercial Banks (Bank Umum Syariah– “ BUS ”) and Sharia Business Units (Unit Usaha Syariah– “ UUS ”) (collectively referred to as “ Sharia Banks ”), which has been in force since 17 September 2025. [1]