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OJK mendesak MNC Bank segera atasi gangguan layanan transaksi dan beri kepastian pengembalian dana nasabah.

Liputan6.com, Jakarta -Otoritas Jasa Keuangan (OJK) mendesak PT Bank MNC International Tbk (MNC Bank) segera menyelesaikan gangguan transaksi dan penarikan dana nasabah. OJK meminta manajemen memberi kepastian jadwal pengembalian dana serta menyelesaikan pengaduan yang tertunda. 

Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae, menegaskan bahwa OJK telah meminta manajemen MNC Bank menyiapkan langkah konkret untuk memulihkan layanan dan memenuhi hak nasabah.

"OJK telah meminta manajemen bank untuk segera menyelesaikan permasalahan tersebut dan memastikan nasabah memperoleh kepastian atas dana yang menjadi haknya," ujar Dian dalam konferensi pers RDKB OJK, Kamis (5/11/2026).

Guna memastikan masalah teratasi, OJK tengah mendalami penyebab gangguan dengan memeriksa sejumlah aspek vital bank:

  • Kondisi Keuangan: Memeriksa likuiditas, pengelolaan arus kas, hingga struktur pendanaan bank.
  • Tuntutan Kejelasan: Meminta MNC Bank menyerahkan skema dan jadwal pasti pemenuhan hak serta pengaduan nasabah.
  • Sanksi Pengawasan: OJK siap mengambil tindakan tegas jika ditemukan pelanggaran operasional.

"Dalam hal ditemukan pelanggaran ketentuan atau kelemahan pengelolaan, OJK tentu akan mengambil langkah pengawasan sesuai kewenangannya," tegas Dian.

Kondisi Permodalan dan Isu Risiko Sistemik

Selain gangguan layanan, OJK menjadikan penguatan modal MNC Bank sebagai agenda prioritas. Penguatan ini didorong melalui penambahan modal pemegang saham, masuknya investor strategis, hingga opsi konsolidasi (merger). 

Dian meluruskan kekhawatiran publik soal ketentuan modal inti: 

  • Permodalan Masih Sesuai Aturan: Ketentuan modal inti Rp 6 triliun adalah batas minimum untuk naik kelas ke kategori Kelompok Bank berdasarkan Modal Inti (KBMI) 2, bukan syarat wajib minimal bagi semua bank. Permodalan MNC Bank saat ini masih sesuai ketentuan.
  • Tidak Berdampak Sistemik: Gangguan pada satu bank tidak otomatis memicu risiko sistemik bagi industri perbankan nasional. OJK menilai status sistemik dari ukuran, kompleksitas, serta keterkaitan bank dengan lembaga keuangan lain.

OJK mengimbau masyarakat untuk tetap tenang dan menyarankan nasabah menghubungi saluran resmi bank. OJK juga mewajibkan seluruh bank bersikap transparan dan tidak membiarkan aduan nasabah berlarut-larut.

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