banking sector
🇮🇩
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banking sector - Details
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| 🇮🇩 | 🇮🇩 |
| Untungnya bank disebut | NIM ( selisih bungan dari peminjam - bunga yg dibayar ke depositor ) |
| Risiko kredit adalah | Debitur gagal bayar |
| Capital adequacy | Ketentuan presentase penyediaan modal minimum (supaya dana pihak ketiga aman) |
| CKPN ( Cadangan kerugian penurunan nilai ) | Melihat brp bnyk kemungkinan kerugian atas total aset |
| NPL : non performing loan | Menghitung seberapa besar risiko kredit yang gagal bayar terhadap total kredit yg disalurkan |
| BOPO | Megukur kemampuan bank dalm mengelola beban operasional (semakin kecil makin baik |
| CASA (current account savings account ) | Mengukur proporsi simpanan dlm btk giro dan tabungan thdp total simpanan . (semakin besar = smakin mura bunga yg dibayar bank ke DPK ->smkain profitable |
| LDR : loan to deposit ratio | Utuk menetahui tkt kerawanan suatu bank ,brp banyak bank menyalurkan uang DPK dari total deposit. >100% semakin rawan, krn uang simpanan nya disalurkan semua |