01
KBLI follows the actual activity
Select the code by product, customer, revenue and operations. Main and supporting activities must match the constitution, investment plan, contracts and bank profile.
02
Four OSS RBA risk levels
Low risk normally relies on NIB; medium-low adds a self-declared standard certificate; medium-high requires verification; high risk requires a licence. The live OSS workflow controls the specific requirements.
03
Foreign ownership is tested activity by activity
For each KBLI, check access, foreign percentage, investment scale, partnership or location conditions. Several codes do not inherit the most permissive treatment.
04
Sector regulators retain authority
Finance, payments, telecoms, health, education, transport, construction, tourism, trade and industry may require approvals, technical standards and premises. NIB does not replace them.
05
Licences carry continuing obligations
Maintain OSS and UBO data, activity reports where applicable, tax, labour, environmental, import and local approvals. A product change may require another KBLI or licence.