OBS_VALUE: <ul><li><a href=https://www.ojk.go.id/id/regulasi/Documents/Pages/Bank-Umum/POJK%2012%20-%2003%20-2021.pdf target=_blank>Regulation on Commercial Bank(Peraturan Otoritas Jasa Keuangan Tentang Bank Umum, Financial Service Authority Regulation No. 12/POJK.03/2021, adopted 30.10.2021)</a></li><li><a href=http://www.ojk.go.id/id/kanal/perbankan/regulasi/undang-undang/Documents/331.pdf target=_blank>Banking Act(Perbankan, Act No. 7/1992, adopted 25.03.1992, with latest modifications on 12.01.2023, Article 6, 21 and 22)</a></li></ul>