Bank Accounting
Foreign exchange banks manage trillion-rupiah financial assets under the strictest accounting standards: PSAK 71 (ECL), PSAK 72, treasury derivatives, and trade finance. Arunika Consulting helps banks prepare PSAK and POJK-compliant books.
Compliance Warning
This industry is considered high risk and may receive closer attention from tax authorities. Professional tax consultation is strongly recommended.
Common Challenges
ECL Modeling
PD, LGD, EAD models — complex and data-intensive.
Treasury Accounting
Forex, money market, derivatives.
Trade Finance
L/C, SKBDN — fee recognition and contingent liability.
Our Solutions
ECL System
Staging 1,2,3 based on SICR.
- Compliant
Treasury Accounting
MTM valuation and hedge testing.
- Accurate
Related Tax Regulations
PSAK 71
Financial Instruments
Classification: amortized cost, FVOCI, FVTPL
PSAK 72
Revenue
Fee income and net interest income
POJK 12/2019
Bank Reporting
OJK guidelines for bank financial statements
Need Help with Bank Accounting?
Consult your bookkeeping and tax needs with our professional team. Free initial consultation.
Free Consultation via WhatsAppBank Accounting Consulting Services Across Indonesia
We support clients in major Indonesian cities. Find a location-specific service page for your area.
Bali
Banten
Daerah Istimewa Yogyakarta
Jawa Tengah
Jawa Timur
Kalimantan Barat
Kalimantan Selatan
Kalimantan Timur
Kepulauan Riau
Riau
Sulawesi Selatan
Sulawesi Tengah
Sulawesi Tenggara
Sulawesi Utara
Sumatera Utara
Sumatra Selatan
Frequently Asked Questions
What is ECL staging?
Stage 1 (performing) 12-month ECL, Stage 2 (SICR) lifetime ECL, Stage 3 (impaired) lifetime + interest on net carrying amount.
How do accounting services improve operating cost efficiency?
Accurate, timely financial reports help you spot cost leakage, monitor margins by product or service, and make data-based decisions.
Can financial reports be accessed in real time?
Yes. We use cloud accounting systems so you can monitor cash flow, profit and loss, and business performance from anywhere.
How do you ensure reports are ready for external audits or banks?
Reports are prepared by qualified accounting professionals with clear documentation and traceable transaction data.
Related Industries
Capital Market Accounting
KBLI 64200
Securities bookkeeping: brokerage accounting, underwriting fees, investment management. Capital market accounting by Arunika.
Bank Tax
KBLI 64120
Bank tax Indonesia: 20% final tax on deposit interest, banking VAT exemption, deferred tax from CKPN, PPh 26 cross-border payments, and bank withholding compliance.
Banking Technology
KBLI 64120
Core banking modernization, digital banking platforms, open banking APIs, and cybersecurity for Indonesian banks. Banking technology solutions by Arunika.