Slides based on DASAR DASAR PERBANKAN

by Drs. H. Malayu S.P. Hasibuan

adapted by Shinta Wangke, 2010.

 Source of Fund?
How much is enough for
Bank Funding?
Cost of Fund?

To manage the process of

providing funds adequately
and in a reasonable price

 Internal
External

 The

amount of money
invested by owners +
profits (or minus losses)

 Demand

Deposit
Saving Deposit
Time Deposit

Interest ?

Cost of Fund

Maturity ?

Liquidity

Loanable funds: for loan and secondary

reserves
Unloanable funds: for primary reserves

Primary reserves : The minimum amount of

cash; also include the legal reserves
Secondary reserves are often deposited in shortterm instruments that can quickly be
converted to cash when additional liquidity is
required

Cash
BI Current Account
Earning Assets :
-Banks Deposit
-Securities
-Placement
-Loan
Fix Assets

BANK as Financial Intermediary

Use of Fund

Source of Fund
Demand Deposit
Saving Deposit
Time Deposit

Capital/Equity

Unloanable Fund
Primary Reserve :
- Cash
- BI Current Account

Loanable Fund
Secondary Reserve :
- Banks Deposit
- Securities
- Placement
Loan

BANK as Financial Intermediary

Use of Fund

Source of Fund
External Fund
Demand Deposit
Saving Deposit
Time Deposit

Internal Fund
Capital/Equity

Regulation
Capital Adequacy Ratio
Bank Operational Area
Bank Goal

Peraturan Bank Indonesia

No. 9/16/PBI/2007 tentang
Perubahan Atas Peraturan Bank
Indonesia No 7/15/PBI/2005 tentang
Jumlah Modal Inti Minimum Bank Umum
0-100 Milyar Rupiah = BPR
> 100 Milyar Rupiah = Bank Umum

Modal (Capital)
ATMR

x 100
%

ATMR = Aktiva Tertimbang Menurut

Resiko

Assets
Cash
BI Current Account
Banks Deposit
Securities
Placement
Loan
Fix Assets
Total Assets

Liabilities & Capital

18.000 Demand Deposit
45.000 Saving Deposit
50.000 Time Deposit
50.000
50.000
700.000
87.000 Capital/Equity
1.000.000 Total Liab. & Capital

200.000
200.000
500.000

100.000
1.000.000

Nominal
Cash
BI Current Account
Banks Deposit
Securities
Placement
Loan

18.000
45.000
50.000
50.000
50.000
700.000

Risk %
0%
0%
100%
100%
100%
100%

ATMR
50.000
50.000
50.000
700.000

Total ATMR

850.000

Capital

100.000

CAR

11,76%

Assets

Area

Assets

Profit

No

Description

Amount

Composition

GWM

Loanable
Fund

COF

Eff.
Cost

COLF

Demand Deposit

200.000

22,22%

7,00%

186.000

3,00%

3,23%

0,72%

Saving Deposit

200.000

22,22%

7,00%

186.000

4,00%

4,30%

0,96%

Time Deposit

500.000

55,56%

7,00%

465.000

6,00%

6,45%

3,58%

Total

900.000

100,00%

7,00%

837.000

5,26%

Assets
Cash
BI Current Account
Banks Deposit
Securities
Placement
Loan

Liabilities & Capital

5
6

Demand Deposit
Saving Deposit
Time Deposit

1
2
3

Fix Assets

Capital/Equity

Total Assets

Total Liab. & Capital

Nominal
Cash
BI Current Account
Banks Deposit
Securities
Placement
Loan
Total ATMR
Capital
CAR

Risk %
0%
0%
100%
100%
100%
100%

ATMR

No

Description

Amount

Composition

GWM

Loanable
Fund

COF

Eff.
Cost

COLF

Demand Deposit

7,00%

3,00%

Saving Deposit

7,00%

4,00%

Time Deposit

7,00%

6,00%

Total

7,00%

3
5

Amount
Total Amount

( 100% - GWM )
100%
( 100% - GWM )

=
8

100%
x

Amount

COF

Composition x Effective Cost