introduction to banking course 4
TRANSCRIPT
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INTRODUCTION TO BANKING
Course 4 Yudy Yunardy S.E., M.M.
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WHO AM I ?
Fifteen years of Banking experience, six years’ experience in Trade Finance Operations background with Unsecured Loan experience, equipped with another seven years’ experience in Management Information Analyst and Dashboard Reporting. Vastly experienced in Bank Indonesia reporting (LBU, SID, LBBU, BMPK etc.)
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EMPLOYMENT SUMMARY
2014 Present Indonesia Banking School
2013 2014 Deutschebank AG
2011 2012 Misys Plc
2010 2011 DBS Indonesia
2010 2010 ANZ Bank
2005 2010 RBS Bank
2004 2005 Vendor at Bank Mandiri, BCA and Circle K
1999 2004 HSBC Bank
1998 1999 MetLife Insurance
1997 1998 Demographic Institution FEUI
1996 1997 Private Investment Manager
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RULES
1. Disable your comm. device
2. Presence 80% minimum
3. Time alloc. 08.00 – 10.30
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TEXTBOOK
Siamat, Dahlan (2005), Bank dan Lembaga Keuangan
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GRADING EVALUATION
1. Quiz / exercise 25%
2. Assignments 15%
3. Midterm 25%
4. Final 35%
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PEMBAGIAN KELOMPOK
Kelompok 1 Kelompok 2 Kelompok 3 Kelompok 4
Raditya Dimas W Nada Tabira I Birrulloh Alyatunisa A Aileen Griselda
Fahmi Emir Gabriel Findya Mutiara B Devi Aryanti S
Safira K
Kelompok 5 Kelompok 6 Kelompok 7 Kelompok 8
Maksum Habibie Anjani Mutter Ines Maudy K A A A N Intan S
Catherine Christiya V Dalvian A Mawaddah F Maikel Budiman T
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TUGAS PRESENTASI KELOMPOK
1. Buatlah produk tabungan dg fitur-fitur yg menarik masyarakat untuk menempatkan dananya di bank anda (selain fitur bunga tinggi)
2. Buatlah produk giro dg fitur-fitur yg menarik masyarakat untuk menempatkan dananya di bank anda (selain fitur bunga tinggi)
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TUGAS PRESENTASI KELOMPOK
3. Buatlah produk deposito dg fitur-fitur yg menarik masyarakat untuk menempatkan dananya di bank anda (selain fitur bunga tinggi)
4. Bank apakah yang memiliki dana giro dan tabungan tertinggi di Indonesia th2014 (sesuai laporan keuangan Des 2014 pd ojk.go.id) dan apakah kiat suksesnya?
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PREVIOUSLY…
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PENGERTIAN DAN BATASAN RISIKO
Section 1
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PENGERTIAN RISIKO
bahaya, akibat atau konsekuensi yang dapat terjadi akibat sebuah proses yang sedang berlangsung atau kejadian yang akan datang
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BATASAN RISIKO
potensi kerugian yang dapat dialami perusahaan yang disebabkan oleh perubahan risiko
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RISK APPETITE
jumlah dan jenis risiko yang bersedia diambil oleh suatu perusahaan dalam rangka memenuhi tujuan strategis
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JENIS-JENIS RISIKO Section 2
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JENIS-JENIS RISIKO
1. Risiko murniadalah sesuatu yang hanya dapat berakibat merugikan atau tidak terjadi apa-apa dan tidak mungkin menguntungkan
2. Risiko spekulasibisa untung, rugi atau impas
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JENIS-JENIS RISIKO
3. Risiko internmuncul dari pihak dalam
4. Risiko hukumrisiko yang timbul karena ketidakmampuan manajemen perusahaan dalam mengelola munculnya permasalahan hukum yang dapat menimbulkan kerugian atau kebangkrutan bagi perusahaan
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RISIKO MURNI
1. Risiko operasionalsumber daya manusia, proses, sistem dan kejadian eksternal
2. Risiko likuiditasketidakmampuan Bank untuk memenuhi kewajiban yang jatuh tempo
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RISIKO SPEKULASI
1. Risiko pasar
a) Risiko spesifik
b) Risiko umum
2. Risiko kredit
3. Risiko reputasi
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RISIKO INTERN
1. Risiko kepatuhan
2. Risiko bisnis
3. Risiko strategis
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RISIKO HUKUM
1. Tuntutan hukum
2. Kelemahan aspek yuridis
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MITIGASI RISIKO Section 3
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MITIGASI RISIKO
pengurangan secara sistematis dari intensitas paparan risiko dan/atau kemungkinan terjadinya
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MANAJEMEN RISIKO
adalah suatu pendekatan terstruktur/metodologi dalam mengelola ketidakpastian yang berkaitan dengan ancaman; suatu rangkaian aktivitas manusia termasuk: Penilaian risiko, pengembangan strategi untuk mengelolanya dan mitigasi risiko dengan menggunakan pengelolaan sumberdaya
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PENERAPAN MANAJEMEN RISIKO
1. Perencanaan
2. Implementasi
3. Pengawasan Pelaksanaan
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PRAKTEK BERKESINAMBUNGAN
1. Identifikasi risiko
2. Penaksiran dampak risiko
3. Analisa prioritas risiko
4. Penerapan manajemen risiko
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PRAKTEK BERKESINAMBUNGAN
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REKAPITULASI
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THANK YOU See you next week
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ASSIGNMENTS
1. Bitcoin published in 2008 and introduced in 2009, why it still can’t replace money as medium of transaction?
2. Can bitcoin eventually replace all currencies from all countries in the world?
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REFERENSI
1. Garvey, P.R., 2008, Analytical Methods for Risk Management: A Systems Engineering Perspective, Chapman-Hall/CRC-Press, Taylor & Francis Group (UK), Boca Raton, London, New York, ISBN: 1584886374.
2. The MITRE Institute, September 1, 2007, MITRE Systems Engineering (SE) Competency Model, Version 1, pp. 10, 40-41.
3. Project Management Institute, A Guide to the Project Management Body of Knowledge, (PMBOK Guide), Fourth Edition, ANSI/PMI 99-001-2008, pp. 273-312
4. Veithzal Rivai, Bank and Financial Institution Management (Jakarta : Rajawali Pers, 2007)
5. Martono, Bank dan lembaga keuangan lain (Yogyakarta : Ekonisia, 2002)