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All Journal Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora
Zhafran Yasser Pratama
Universitas Islam Indonesia
Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Restrukturisasi Perusahaan Perbankan Dalam Menerapkan Single Presence Policy (SPP): Kasus Merger PT Bank CIMB Niaga dan PT Bank Lippo Zhafran Yasser Pratama
Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora Vol. 3 No. 5 (2026): September: Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/aliansi.v3i5.1771

Abstract

This study discusses the restructuring of banking companies in implementing the Single Presence Policy (SPP), with a case study of the merger of PT Bank CIMB Niaga and PT Bank Lippo in 2008. Restructuring is a strategy to reorganize the company's ownership, operational, and management structures to improve performance and competitiveness, one of which is through a merger and acquisition scheme. The SPP policy issued by Bank Indonesia through Bank Indonesia Regulation Number 8/16/PBI/2006 requires controlling shareholders to only control one bank, with three adjustment options: transfer of share ownership, merger/consolidation, or the establishment of a bank holding company. This study uses a normative legal research method with a statutory, conceptual, and case approach, which is analyzed descriptively-qualitatively. The results of the study indicate that Khazanah Nasional Berhard as the controlling shareholder of Bank Niaga and Bank Lippo chose the merger option to fulfill the SPP provisions, which resulted in PT Bank CIMB Niaga Tbk as a single entity that is stronger and more competitive. This merger process is also examined using the corporate concession theory, which emphasizes that the legal personality of a business entity is a grant from the state as the holder of sovereignty. This study concludes that restructuring through mergers is an effective legal instrument in realizing a healthy national banking structure as mandated in the Indonesian Banking Architecture.
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