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KBLI Navigator/Section K/64997
KBLI 64997

Sharia Bullion Banking

Aktivitas Perbankan Bulion Syariah

🏦 Section K — Financial & Insurance Activities

In Bali: a PT PMA cannot register this code

National procedure — does not apply to a PT PMA in Bali

In Bali this activity is reserved for MSMEs; a PT PMA (large enterprise) cannot register it. The national procedure below applies only to non-PMA operators.

✅Open· 100% nat'l · blocked in BaliLow RiskRenumbered🏝️🚫Closed in Bali (2026 moratorium)

This activity covers Islamic bullion banking: accepting deposits of precious metals (gold, silver in bar or coin form) and providing loans of those metals, all conducted under Sharia principles. It does not include conventional bullion banking, trading, brokerage, or custody services.

What Changed

KBLI 2020→2025 mapping: codice rinumerato.

What You Need

Nationally, this KBLI is fully open to 100% foreign ownership (PMA). In Bali, however, a provincial moratorium effective since May 13, 2026 currently blocks all new PMA registrations for this activity, even though it is classified as low/medium-low risk. That means you cannot form a foreign-owned bullion banking company in Bali at this time.

Who This Is For

Foreign Islamic financial institutions or Sharia-compliant bullion dealers looking to offer precious metal deposit and lending services—but not in Bali under the current freeze.

Licensing Overview
Risk LevelRendah
License TypeNIB
Foreign Ownership100% Open
ProcessingInstant
2020 → 2025
Previous codes (KBLI 2020): 64922— PP28 usa codice KBLI 2020 64922 (Pergadaian Syariah...). Match: 81%
Common Questions
Can foreigners operate a sharia bullion banking business in Indonesia?
Nationally yes — but NOT in Bali. KBLI 64997 (Aktivitas Perbankan Bulion Syariah) is TERBUKA (100% foreign ownership) at the national level, but a PT PMA currently cannot register it in Bali (reserved for UMKM / 2026 moratorium). Nationally TERBUKA but the Besar scale is 'Rendah' -> blocked by the Bali PMA moratorium (Gov. letter B.27.000/642, 13 May 2026: all Rendah/Menengah Rendah blocked for a Bali address). [NB-3 28 June 2026] Outside Bali it is open to a PT PMA with no local partner required.
What license is required for KBLI 64997?
KBLI 64997 has a Rendah risk classification. Required license: NIB. Processing time: Otomatis.
What is KBLI 64997?
KBLI 64997 is the Indonesian business classification code for "Aktivitas Perbankan Bulion Syariah" (Sharia Bullion Banking). It falls under Section K of KBLI 2025, the Indonesian Standard Industrial Classification updated by BPS (Regulation 7/2025). The June 2026 KBLI 2025 transition window has closed; operators should verify the code's current OSS/NIB treatment before relying on it for licensing, reporting, or amendments.
How did KBLI 64997 change from KBLI 2020 to 2025?
KBLI 64997 was mapped from previous code 64922 (KBLI 2020). PP28 usa codice KBLI 2020 64922 (Pergadaian Syariah...). Match: 81% The code was renumbered but the business activity scope is essentially unchanged. The June 2026 KBLI 2025 transition window has closed. If an NIB still relies on legacy KBLI 2020 mappings, treat the migration as overdue and verify/remediate the OSS record before new license applications, amendments, LKPM, import approvals, or investor/worker sponsorship.

Related Codes

64999Section K

Other Financial Services (Non-Insurance, Non-Pension)

Aktivitas Jasa Keuangan Lainnya Ytdl, Bukan Asuransi dan Dana Pensiun

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64996Section K

Conventional Bullion Banking

Aktivitas Perbankan Bulion Konvensional

→
🏝️🚫Closed in Bali (2026 moratorium)✅Open· 100% nat'l · blocked in BaliLow Risk
64995Section K★

Proprietary Carbon Unit Trading

Perdagangan Unit Karbon atas Nama Sendiri

→
🏝️✅Registrable in Bali✅Open· 100% Foreign
64994Section K

Proprietary Financial Market Trading

Perdagangan di Pasar Keuangan atas Nama Sendiri

→
🏝️✅Registrable in Bali✅Open· 100% ForeignMedium-High Risk
64993Section K

Clearing & Settlement Counterparty Services

Aktivitas Counterparty untuk Kliring dan Setelmen Transaksi

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64992Section K★

Sharia Venture Capital

Aktivitas Modal Ventura Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
🏢

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