Code summary
Often confused with
- 64121 - Perbankan Umum Konvensional: Compare this code when the main activity is better described as perbankan Umum Konvensional rather than aktivitas Bank Sentral.
- 64122 - Perbankan Umum Syariah: Compare this code when the main activity is better described as perbankan Umum Syariah rather than aktivitas Bank Sentral.
- 64123 - Perbankan Konvensional Lainnya: Compare this code when the main activity is better described as perbankan Konvensional Lainnya rather than aktivitas Bank Sentral.
OSS filing review
The OSS review for KBLI 64110 should start from the NIB path, standard certificates, sector licences, and business-model consistency. For asset owners, developers with operating property activity, and building managers, the most common failure point is not the OSS interface itself, but the mismatch between the real activity, the location, and the code being filed.
- Official OSS portal: Validate the NIB path, risk-based flow, and downstream licences for aktivitas Bank Sentral.
- Guide to NIB registration in OSS: Use this checklist to test KBLI consistency, entity data, and whether the team is ready to check the linked KLU before filing as well.
- OSS Risk & licences hub: Open this hub to review the low, medium-low, medium-high, and high-risk flows at system level.
Note: the final per-code risk tier still has to be confirmed directly in OSS.
Core KBJI occupations for KBLI 64110
These occupation groups are linked through a semantic matrix based on the KBLI section and KBJI major groups. The tier is shown so users can distinguish official data from derived links.
Occupation source: BPS KBJI 2014. The current KBLI relation is derived, not an official 1:1 correspondence table.
Region and payroll review
The operating location for KBLI 64110 cannot be separated from region codes, provincial wage floors, and when relevant zone incentives. For aktivitas Bank Sentral, the region review usually starts from the business domicile, the real operating site, and the provincial payroll footprint used by asset owners, developers with operating property activity, and building managers.
- Indonesia region codes: 38 provinces are already loaded with administrative profiles and region codes.
- Minimum wages by province: 38 provincial minimum-wage profiles are available for first-pass payroll screening.
- KEK and FTZ: Check this layer if the business model is sensitive to location incentives or customs facilities.
Source: the Satu Data Indonesia region-code dataset, national wage references, and the official KEK list.
| Level | Code | Description |
|---|---|---|
| Section | L | Financial and insurance activities |
| Division | 64 | Aktivitas Jasa Keuangan, Kecuali Asuransi Dan Dana Pensiun |
| Group | 641 | Intermediasi Moneter |
| Class | 6411 | Aktivitas Bank Sentral |
| Activity | 64110 | Aktivitas Bank Sentral |
Related tools and layers
- KLU 64110
- OSS risk for this code
- Foreign ownership hub
- BPJS calculator
- PPh 21 TER calculator
- Minimum wages by province
Tax norm summary
- 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.
Sources
| Source | URL | Regulation | Tier |
|---|---|---|---|
| BPS KBLI 2025 | https://bps.go.id | BPS Regulation No. 7 of 2025 | official |
| Putranto Alliance KLU table | https://putranto-alliance.com/indonesian-business-field-classification-klu/ | Derived from DJP references | fallback |
Compliance risk score
3 of 4 factors passing
- pass Verified in official source - KBLI 2025 code 64110 is present in the official BPS classification release.
- pass Hierarchy chain is complete - Section L, Division 64, Group 641, and Class 6411 are all present in the loaded hierarchy.
- pass Official thresholds documented - A linked KLU/NPPN layer is loaded for KBLI 64110, including published norm values.
- fail Trade or export match available - No BTKI review match is currently loaded for KBLI 64110.
Who is this code for
This code typically applies to the following activity types, operating roles, or business models:
Source: MANUAL, 2026-05-04
FAQ
What is the main operating test for keeping KBLI 64110 under Aktivitas Bank Sentral?
Keep KBLI 64110 when the day-to-day operating core genuinely sits in aktivitas Bank Sentral inside the wider property-asset use, building management, and real-estate transactions layer. The code is weak if the business only touches that field indirectly while its dominant activity belongs somewhere else.
How should KBLI 64110 be separated from Perbankan Umum Konvensional?
The line is drawn by the actual primary activity carried out at class 6411 and group 641 level. If the operational centre is better described as perbankan Umum Konvensional, the user should compare again instead of keeping KBLI 64110 only because it still sits in the same wider property-asset use, building management, and real-estate transactions branch.
If the business also performs project construction, professional design, or operational hospitality, can KBLI 64110 still remain the lead code?
KBLI 64110 can remain the lead code only when aktivitas Bank Sentral is still the operational and revenue centre. If the dominant line is actually project construction, professional design, or operational hospitality, the safer path is to compare neighbouring branches before filing.
Why should asset owners, developers with operating property activity, and building managers still read Group 641 and Class 6411 before selecting KBLI 64110?
Because group and class level show the nearest branch boundary before the endpoint is fixed. Reading those layers first helps the user decide whether aktivitas Bank Sentral is truly the right endpoint or just one of several nearby codes in the same branch.
Which checkpoints still need review after KBLI 64110 is selected?
Choosing KBLI 64110 does not finish the compliance review. After the code is selected, the user still needs to review the OSS risk path, the linked KLU mapping, and the downstream operational checkpoints triggered by filing and implementation.
Changelog
- 2026-03-19 - The code page was published with the official KBLI hierarchy and an activity summary.
- 2026-03-19 - Linked KLU, related tools, and compliance blocks were updated.
This portal is informational. Confirm the final obligation and competent authority before filing, licensing, payroll, tax, or investment decisions. Read methodology.