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klasifikasi Bank

klasifikasi Bank. Rita Tri Yusnita Sumber : BLKL, Edisi 2, Sigit Triandaru & Totok Budisantoso, Salemba Empat Uang, Perbankan dan Ekonomi Moneter, Mandala Manurung & Prathama Rahardja, FEUI Bank dan Lembaga Keuangan Bukan Bank, H. Ahmad Rafiki , BBA, MMgt.

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klasifikasi Bank

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  1. klasifikasiBank Rita Tri Yusnita Sumber: BLKL, Edisi 2, Sigit Triandaru & Totok Budisantoso, Salemba Empat Uang, Perbankan dan Ekonomi Moneter, Mandala Manurung & Prathama Rahardja, FEUI Bank dan Lembaga Keuangan Bukan Bank, H. Ahmad Rafiki, BBA, MMgt. Bank dan Lembaga Keuangan, Drs. Supriyanto, MM.

  2. Klasifikasi JenisBank 1. JenisBank Menurut Kegiatannya • Bank Tabungan • Bank Pembangunan • Bank Ekspor-Impor • Bank Umum • Bank Perkreditan Rakyat Tujuan: Memudahkandalam memilihkegiatanperbankan yang paling sesuaidengankaraktermasing-masing bank Menyederhanakandanmemudahkandalamurusanmendapatkanizinoperasi

  3. 2. Jenis Bank Menurut Target Pasar • Corporate Bank –pelayananberskalabesar • Retail Bank – pelayananberskalakecil • Retail Corporate Bank – pelayananberskalabesardankecil Tujuan • Memberipelayananefisien • Fokuspadakelompoknasabah (karakter) tertentu

  4. 3. JenisBank Menurut Kepemilikannya(penguasaan saham& akta pendirianBank) • Bank milik pemerintah; BNI, BRI, BTN • Bank milik pemerintah daerah;Bank Sumut, Bank DKI, BJB • Bank milik koperasi; Bank Umum Koperasi Indonesia (Bukopin) • Bank miilik swasta nasional; BCA, BII, Bank Mu’amalat • Bank milik asing; Citi Bank, Standard Chartered • Bank milik campuran; Mitsubishi BuanaBank, Bank Sakura Swadarma

  5. 4. JenisBank Menurut Status atauKedudukan(ukurankemampuandrsegijumlahproduk,modal, & kualitas) • Bank Devisa • Bank Non-Devisa

  6. 5. JenisBank MenurutKepemilikannya • Bank – prinsipkonventional; menggunakansistembungadan free based. - Dominan di Indonesia. • Bank – prinsipsyariah; berdasarkanetika & prinsip-prinsip Islam hinggabebasdari; a. unsurRiba (bunga) b. bebasdariunsurspekulatif non-produktifsepertiperjudian (maysir) c. bebasdarikegiatan yang meragukan (gharar) d. bebasdariperkara yang tidahsah (bathil) e. hanyamembiayaiusaha-usaha yang halal

  7. Types of Investment banks • Investment banks "underwrite" (guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital markets activities such as mergers and acquisitions. • Merchant banks were traditionally banks which engaged in trade finance. The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike venture capital firms, they tend not to invest in new companies. Both combined • A universal bank is a bank that participate in all kinds of banking activities. It is a bank that is both a Commercial bank and an Investment bank. • For example, First Bank (a very large bank) is involved in commercial and retail lending, and its subsidiaries in tax-havens offer offshore banking services to customers in other countries. Other large financial institutions are similarly diversified and engage in multiple activities.

  8. Terima kasih

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