PEMBAHASAN SOAL LEVEL I
1-1
Emanuel Kristijadi @ Center for Applied Banking and Management (CABM) - STIE Perbanas Surabaya
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1.
Peraturan Ba Bank In Indonesia yang me mengatur prosedur dan praktek dalam mengidentifikasi nasabah dan monitoringya adalah : a.
PBI No. 8/4/PBI/2006 Tentang Pelaksanaan GCG
b.
PBI No. 7/25/PBI/2005 Tentang Sertifikasi Manajemen Risiko
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1.7 The Indonesian banking system and regulation
1.7 .7.2 .2 Bank Bankin ing g regu egulat lation ion Regulation
Purpose
UU Bank Indon Indonesia esia Bank Indonesia sebagai bank sentral yang 1999 indepen independen den.. J uga uga fungsi fungsi tugas ugas dan peran peran BI. BI. Audit & Compliance P erlunya erlunya audit audit dan kepatuhan kepatuhan dalam 1999 perbankan Commercial Banks 2000
Aturan tentang perijinan dan operasional bank umum.
Know Your Customer
Mengatur prosedur dan praktek dalam mengidentifikasi nasabah dan
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2.
Penarikan dana secara bersamaan pada suatu bank seringkali menimbulkan permasalahan bagi bank. Jika bank tidak mampu memenuhi penarikan dana ini, maka dikatakan bank mengalami : a.
Insolvency
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2.1 Why banks banks are ‘special’ ‘special’ and need to be regulated regulated
2.1.1 Insolvency
Kebangkrutan / Insolvency adalah ketidakmampun bank memenuhi kewajibannya saat jatuh tempo.
Keadaan ini membuat bank mengalami krisis.
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3.
Implementasi Arsitektur Perbankan Indonesia (API) secara bertahap meliputi 6 pilar. Yang tidak termasuk dalam tahapan implementasi tersebut adalah : a. b. c. d.
Implementasi perbaikan struktur perbankan Perbaikan kualitas manajemen dan operasi bank Perlindungan terhadap pemegang saham Perbaikan fungsi sistem pembayaran
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1.7 The Indonesian banking system and regulation
1.7 .7..2 Ba Ban nking regulation
Implement plementas asii AP AP I secara bertahap bertahap meliput meliputi: i: •Mengimplementasi perbaikan struktur perbankan
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4.
Fenomena bahwa suatu bank memberikan kredit secara berlebihan ( over over lending ) pada saat “boom” atau
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1.6 The potential consequences of failing to manage risks in banking
1.6. 1. 6.6 6 Da Damp mpak ak ek ekon onom omii ata atas s te terj rjad adin inya ya ri risi siko ko
Over Over lending lending – a cycli cyclical cal phenom phenomenon enon
Bank memberi kredit berlebihan saat boom dan kurang
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5.
Menyangkut krisis likuiditas, maka yang benar adalah :
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1.6 The potential consequences of failing to manage risks in banking
1.6. 1. 6.6 6 Ec Econ onom omic ic im impa pact ct of a ris risk k eve event nt
Krisis likuiditas : Jarang terjadi pada retail banking
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1.7 The Indonesian banking system and regulation
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2.1 Why banks banks are ‘special’ ‘special’ and need to be regulated regulated
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16. Salah satu tujuan diimplementasikannya Basel II adalah meningkatkan transparansi portofolio aset dan profil risiko kepada pemegang saham dan analis pasar. Hal ini tercantum pada : a. Pilar 1 Basel II b. Pilar 2 Basel II
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3.1 Tiga Pilar Regulasi
3.1.3 3.1 .3 Pil Pilar ar 3 – Dis Disclo closur sure e P ilar 3 adalah adalah pilar pilar market discipline. Bank for International Sett ettlement lements s (B (BIIS) mendefinisikan endefinisikan market discipline sebagai mekanism ekanisme pengelol pengelolaan aan internal internal dan ekst eksternal dalam suatu uatu perekonomian pasar bebas tanpa adanya campur tangan pemerin pemerinttah secara langsung. langsung. Pilar 3 dirancang untuk membantu pemegang saham bank dan analis pasar dan selanjutnya akan meningkatkan transaparansi dalam hal-hal, seperti:
• portofolio aset bank • profil risiko bank
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17. Menurut Standard & Poor’s, peringkat obligasi yang termasuk dalam kategori spekulatif adalah : a.
BBB
b.
BB
c.
C
d.
D
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3.4 Basel II dan Sensitivitas Risiko
3.4 .4..2 Peringkat Ob Obligasi - lanjutan Moody’s
S&P
Deskripsi
Ba
BB
B
BB
Caa
CC C
Ca
CC
C
C
Obligasi dalam dalam peringkat peringkat ini tidak tidak mampu ampu mem membayar bayar bunga bunga dan bisa dikategorikan dalam ‘income bonds’
D
D
Obligasi masuk dalam ‘default’, karena sudah tidak mampu ampu membayar bunga dan pokok pinjaman.
Dalam kemampuannya untuk membayar bunga dan pokok pinjaman, peringkat obligasi dalam ketegori ini dianggap spekulatif. Ba / BB menunjukkan tingkat spekulasi paling rendah. Ca / CC merupakan tingkat spekulasi paling tinggi.
Baik Moody’s Moody’s maupun maupun St Standard & Poor’s Poor’s membuat embuat beberapa
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18.
Suatu kontrak call options memberikan hak kepada pemegangnya pemegan gnya untuk untuk membeli USD USD dengan harga Rp. 9.000/USD untuk jangka watu 1 bulan mendatang. Pembeli kontrak harus membayar Rp. 50/USD untuk memiliki hak tersebut. Setelah jatuh tempo (1 bulan kemudian) ternyata nilai tukar spot adalah Rp. 9.500/USD. a. b. c.
Premium = Rp. 9.000 ; Strike Price = Rp. 50 ; Current price of underlying = Rp. 9.500 Premium = Rp. 9.500 ; Strike Price = Rp. 9.000 ; Current price of underlying = Rp. 50 Premium = Rp. 50 ; Strike Price = Rp. 9.000 ; Current price of
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OPTION Istilah-istilah Call
Suatu opsi yang memberi hak kepada pembelinya untuk membeli underlying instrument
P ut
Suatu opsi yang memberi hak kepada pembelinya untuk menjual underlying instrument
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19. Bank yang menerapkan IRBA untuk
perhitungan risiko kreditnya berarti harus
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3.4 Basel II dan Sensitivitas Risiko
3.4.2 Kedalaman cakupan J ika su sua atu bank memilih menggunakan Int Internal Rati Ratingss-Ba Base sed d Approach, pproach, jumlah jumlah peringk peringkat at yang yang dapat digun digunakan akan ditet ditetapkan apkan oleh bank itu sendiri, meskipun diharapkan min minim imal al ada del delapa apan n peringkat.
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20
Harga put-call options dipengaruhi oleh Harga put-call volatilitas. Volatilitas tersebut
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4.3 Trading instruments
4.3. 4. 3.3 3 In Inst stru rume men n de deri riva vati tiff – op opti tion on co cont ntra ract cts s
Harga opsi tegantun egantung g pada kemun kemungkin gkinan an opsi dieksekusi. Untuk ntuk menghitung nilai opsi digunakan ukuran volatilitas.
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31. Four eyes principles tercantum pada : a.
Pilar 1 Basel II
b.
Pilar 2 Basel II
c.
Pilar 3 Basel II
d.
Basel I
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7.2 An overview of the four key principles
7.2 Overview empat prinsip utama Basel Committee memperkenalkan 25 prinsip inti pengawasan dalam " P rinsip rinsip Inti Inti unt untuk P engawas engawasan an Perbankan P erbankan yang E fektif", fektif", yang dikeluarkan pada bulan September 1997.meliputi : a. pre-condit pre-conditions ions untuk untuk pengawas pengawasan an perbankan perbankan yang efektif efektif b. perijinan perijinan dan struktur ruktur c. peraturan peraturan prinsip kehatikehati-hat hatian ian d. metode pengawasan pengawasan perbankan yang berkelanjut berkelanjutan an e. kebutuhan kebutuhan informas informasii f. kekuasaan kekuasaan formal formal g. cross cross-border (lintas budaya) budaya) perbankan perbankan
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32.. Yang 32 Yang pa pali ling ng me memb mbut utuh uhka kan n ke kepa patu tuha han n terhadap disclosure adalah : a.
Bank Go Publik
b.
Bank Umum
c.
Bank Perkreditan Rakyat
d.
Ketiganya memiliki tingkat kepatuhan yang sama
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7.3 The nature of disclosure
7.3 Kebutuhan Listing Authorities Dalam Dalam kasus kasus perus perusahaan yang yang lis listting pada suatu uatu pasar pasar burs bursa, perusahaan harus membuat disclosure yang diperlukan oleh exchange rules. P eraturan eraturan lis listting memerlukan emerlukan cakupan publikas publikasii laporan secara secara luas ( sering dikena dikenall sebagai sebagai FIL FILIINGS NG S). Otorit Otoritas as listing listing terkait erkait dengan kebutuhan pemegang saham dan secara keseluruhan di dalam F ILINGS NG S ini beris berisii inform informas asii keuang keuangan an yang yang terperinci. erperinci. Otoritas tidak hanya menetapkan menetapkan aturan aturan mereka mereka sendiri; mereka juga bertanggung jawab untuk memasukkan
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33. Peraturan Bank Indonesia yang
menetapkan ketentuan tentang implementasi Good implementasi Good Corporate Governance adalah : a.
PBI 5/8/2003
b.
PBI 7/25/2005
c.
PBI 8/4/2006
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PRINSIP DASAR GCG PBI No: 8/4/PBI/2006
• Transparansi(transparan):keterbukaan Transparansi(transparan):keterbukaan informasi & Proses dlm pengambilan
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34. Komite ya yang be bertugas un untuk memastikan bahwa manajemen mengambil langkah-langkah
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8.2 Implementasi sound Implementasi sound corporate governance
8.2.3Komite khusus Komite khusus dapat dibentuk agar anggota dewan yang layak dapat melihat lebih luas bidang-bidang tertentu. Komite ini melingkupi bidang : • risk management menciptakan enciptakan kesa kesam maan perseps persepsii aktivit aktivitas as
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35. Teller menerima tarikan cek tanpa
memeriksa kesesuaian tanda tangan, namun bank tidak mengalami kerugian atas kelalaian ini.
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6.2.1 Risk of loss - contoh Bank G telah melakukan kesepakatan melakukan transaksi valas. Setelah terjadi kesepakatan trader melakukan kesalahan transaksi bahwa dia membeli Yen dengan menggunakan US dollars. Hal ini berarti bahwa trader mengambil posisi ‘long’ pada Yen. Yen. Unt Untuk uk mengat mengatas asii kesalahan, kesalahan, trader trader berm bermaksud untuk untuk menjual menjual Yen Y en yang dipikirnya telah dimiliki dan digunakan untuk membeli dollar.
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9.1 The role of Bank Indonesia
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46. Dalam menghitung besarnya unexpected loss dalam risiko operasional, bank menggunakan: a.
Rata-rata kerugian masa lalu
b.
Median kerugian masa lalu
c.
Modus kerugian masa lalu
d.
Simpangan baku kerugian masa lalu
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6.2 .2.2 .2 E xpec ectted lo loss ss ver erses ses unex unexp pec ectted lo loss ss Suatu metode sederhana menghitung unexpected loss adalah menggunakan standard deviation. Standard deviation adalah suatu ukuran jarak suatu nilai dari rata2n rata2nya ya (average/m (average/mean). ean). Dalam keadaan keadaan ini, standard andard deviation mengukur jarak suatu kerugian dari risiko operasional tertentu, terhadap rata-2 kerugian semua kejadian risiko operasional. Unexpected losses umumnya diasumsikan sebagai kerugian dengan standard deviation yang memasukkan maksimal 0.1% dari semua kerugian terhadap rata2nya (average/ mean).
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47.. Keti 47 Ketika ka kej kejad adia iann-ke keja jadi dian an ris risik iko o operasional terjadi, maka dampak yang langsung terhadap nasabah adalah seperti di bawah ini kecuali : a.
Keuntungan bank menurun
b.
Lemahnya keamanan
c.
Pelayanan terganggu
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48.
Hal di bawah ini adalah salah satu pertimbangan utama mengapa bank memiliki kecukupan modal dalam Pilar I Basel II: a. b. c.
Melindungi bank dari risiko kredit, operasional dan risiko pasar di trading book Melindungi bank risiko konsentrasi kredit. Melindungi bank risiko suku bunga di banking book
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3.1 Tiga Pilar Regulasi
3.1 .1.4 .4 Struktur Regu egulasi lasi Basel Basel II Pillar 1 Minimum Capital
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49.. Impl 49 Implem emen enta tasi si pe pera ratu tura ran n ba baru ru ya yang ng diterbitkan oleh Bank Indonesia dapat menimbulkan risiko operasional yang
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RISIKO OPERASIONAL
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50. Terk Terkai aitt de deng ngan an ri risk sk lo loss ss da dan n ri risk sk ev even ent, t, manakah kalimat di bawah ini yang tidak tepat :
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1.1 Banks, risk and the need for regulation
1.1
Ban Ba nks, ri risk and the need for regulation
Konsep penting dalam risiko yang perlu dimengerti dalam program sertifikasi: