GROUP TWO

Adinda Akhsanal Viqria 1906324851

Rizha Claudilla Putri 1906410073
Baiq Inti Dhena Sinayang 1906325173
Renova Hutapea 1906410003
Marifa Anandita Sari 1906325910
 WHY SUPERVISE BANKS?
THE ROLE OF BANKS
• Sebagai sentral pada
mekanisme pembayaran
• Bank sebagai lembaga penerima
tabungan
• Sebagai alokasi sumber daya
keuangan dalam pasar ekonomi
THE REASON WHY SUPERVISE
BANKS
• Adanya sifat ketidakstabilan yang
melekat pada Bank
• Mencegah terjadinya resiko kerugian
yang akan berimbas kepada nasabah
• Mencegah terjadinya dampak sistemik
yang ditimbulkan bank
• Meningkatkan kepercayaan public
terhadap Bank
 GENERAL PRINCIPLES OF SUPERVISION

AGAR PENGAWAS DAPAT MENILAI APAKAH

PENGAWAS MEMASTIKAN BAHWA BANK MEMENUHI 3 KRITERIA TERSEBUT,
BANK DAPAT MEMENUHI 3 PENGAWAS MEMBERIKAN PENILAIAN
KRITERIA YAITU : TERHADAP BANK BERDASARKAN :

1. Sehat secara finansial • Seberapa besar risiko terhadap setiap

2. Memiliki pengelolaan yang baik
3. Tidak memberikan ancaman bunga
terhadap nasabah
Bank ?
• Apakah cara yang tersedia untuk
mengelola resiko tersebut ?
• Apakah cara pengelolaan tersebut
sesuai dengan resiko yang ada?
 the risk that the
the risk that shareholders,
bank’s counterparty
directors or senior
might not pay on the
management might be unfit for
Credit risk due date
their respective roles, or
actually dishonest.
Ownership/
management Liquidity risk the risk that the
risk
bank might itself
the risk of a failure in the fail to meet its
bank’s procedures or Banking Risk obligations when
controls, whether from they fall due.
external causes or as a
result of error or fraud Operasional
Yield risk
within the institution. risk

Market risk
The risk that the bank’s
The risk of loss resulting from assets may generate less
movements in the market price of income than the expense
financial instruments in which the generated by its liabilities.
bank has a position.
Two aspects of the control of large
exposure :
• Practical difficulties in identifying Capital
exposures Adequancy
• Question of exposures to parties
related to the bank itself
Risk concentration as a concern in other Risk
Asset
aspects of bank’s business than its assets, Concentra Quality
tion
for example:
1. Funding Key
Prudential
2. Profits
3. Product Range
4. Type of Collateral
lssue
• a bank’s success or failure Management Liquidity
depends on the experience,
capability, judgement and
integrity of its board of System and
directors and senior Control • Three fundamental concepts :
executive. Authorisation, Reconciliation, and
• Directors and executives’s Segregation of duties.
responsible • The role of an internal audit
• Creating an organisational department is a important
structure aspect of system and controls.
 Banking Legislation

Basis for an
The Supervisory
Effective Regim
Supervisory System

Legal and Accounting

Environment
 THE PRINCIPLE CHARACTERISTICS OF
OFF AND ON SITE APPROACH
OFF SITE APPROACH
• This involves the receipt, review and
analysis of financial statements and
statistical returns submitted to the
supervisors.
• Off site review and analysis can readily deal
with matters (capital, liquidity etc) which
can be quantified, it is less well suited to
qualitative issues such as management
strength and operational risks.
ON SITE APPROACH
• Inspection provides an independent check
on a bank’s operations and condition, as
well as enabling off site supervision data to
be verified.
• Usually using sampling approach, as distinct
from one of full audit, inspectors focus on
the bank’s accounting and control systems,
and its adherence to its own piolicies and
procedures in all aspects of the business,
and make informed judgement about
management capabilities
 KESIMPULAN

• Kesalahpahaman bahwa objektifitas pengawasan untuk meminimalisir

kerugian nasabah diintrepertasikan sebagai keharusan bank untuk menjamin
tidak ada bank yang gagal.
• Tugas pengawasan adalah untuk menghindari ‘moral hazard’ dan
mengevaluasi kerja bank, kebijakan dan prosedurnya agar manajemen bank
dapat mengidentifikasi, memahami dan mengkontrol risikonya. Karena
risiko terbesar adalah ketika manajemen tidak dapat mengenali dan
memahami risiko-risiko yang ada di banknya sendiri.
• Dalam hal pengawasan setiap negara dipengaruhi dengan sejarah, hukum
dan lingkungan budaya juga besar, struktur dan ragam aktivitas yang
dilakukan dalam industry perbankan.
THANK YOU