risk management on banking
DESCRIPTION
How the banking business face the risksTRANSCRIPT
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Manajemen Risiko Perbankan
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lembaga keuangan
lembaga yang menghimpun dana dari masyarakat
dan menanamkannya dalam bentuk asetkeuangan lain, misalnya kredit, surat-suratberharga, giro, dan aktiva produktif lainnya;yang termasuk dalam lembaga keuangan adalahbank dan lembaga keuangan nonbank (financialinstitution)
dari :Kamus Keuangan (BI)
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Undang-undang Negara Republik Indonesia Nomor 10 Tahun 1998 badan usaha yang menghimpun dana dari
masyarakat dalam bentuk simpanan dan menyalurkannya kepada masyarakat dalam bentuk kredit dan atau bentuk-bentuk lainnya dalam rangka meningkatkan taraf hidup rakyat banyak
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BankInstitusi yang memiliki surat izin bank, menerima tabungan dan deposito, memberikan pinjaman, dan menerima serta menerbitkan cek*, serta aktifitas lainnya
* Sulad Sri Hartanto
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A Bank is
FinancialInstitution
Licensed to deal with
money & substitutes
Accepts deposits &
lends money
Provides services for profit
Supervised by the Central Bank
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Hal Penting :
•Bank bersifat “khusus” karena permasalahan di perbankan bisa mengakibatkan dampak yang serius bagi perekonomian
•Risiko pada perbankan secara umum dapat dikelompokkan sebagai risiko sistemik (risiko dimana kegagalan bank tidak hanya berdampak pada karyawan, nasabah, dan pemegang saham bank tersebut, tapi juga bagi perekonomian (bank rush)
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Jenis Risiko Perbankan
Credit RiskOperational RiskMarket RiskOther Risk
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Jenis Risiko Bank
credit risk – the potential financial loss resulting
from the failure of customers to honour fully the
terms of a loan or contract.
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Penanggulangan Risiko Kredit
Manajemen Portofolio Kredit Colleteral (bagian dari 5 C) Cash flow monitoring dan lain-lain
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p. 129
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operational risk
the potential financial loss as a result of a breakdown in day-to-day operational processes.
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Operational risk can arise from
failure to comply with policies,laws /regulations from fraud or forgery of human from a breakdown in the availability of services from bad systems or information from external
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Sources of Operational Risk
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Penanggulangan Risiko Operational Know Your Customer Fit and Proper Test Sertifikasi Manajemen Risiko Asuransi Backup System dan lain-lain
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market risk
the risk to earnings arising from
changes in interest rates or exchange rates, or from
fluctuations in bond, equity or commodity
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Market Risk
Spesific Risk , timbul karena adanya perubahan pergerakan harga pada sekuritas yang hanya dialami oleh penerbit dari sekuritas tersebut
General Market Risk, timbul karena adanya perubahan pergerakan harga pasar sehingga berdampak pada seluruh pasar
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Penanggulangan Risiko Pasar
• Hedging
• Pengelolaan suku bunga dalam banking book (treasury dept) - ALM
• dan lain-lain
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Other RiskBusiness Risk , Risiko yang terkait dengan posisi kompetitif dan prospek perkembangan bank dalam menghadapi pasar yang dinamis dan penuh perubahan (berkaitan dengan produk dan layanan)
Strategic Risk, Risiko yang berkaitan dengan pengambilan keputusan bisnis untuk jangka panjang (investasi, jenis usaha yang diakuisisi, pemilihan bisnis yang dipangkas, dan lain-lain)
Reputational Risk, Risiko akibat opini negatif publik (dengan perkembangan teknologi hal ini akan semakin cepat menyebar)
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Penanggulangan Risiko Lain-lain• Business Strategic
• Partnership Strategic
• dan lain-lain
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Other Risk
•Market Share•Investation•Reputational
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Selesai