fund management bank :

FUND MANAGEMENT BANK :

FUND MANAGEMENT BANK :

COST ADM

COST ADM

0,5%0,5%

0,3%0,3%

INFLATION PREMIUM

INFLATION PREMIUM

9%9%

9%9%

RISK PREMIUM

RISK PREMIUM

1%1%

0.7%0.7%

r /i PURE/M

r /i PURE/M

2%2%

1%1%

MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

r/i CREDIT12,5%

r/i KEEP11%

COST OF FUND BANK:COST OF FUND BANK:

1. BIAYA DANA RATA2 BG DANA YG BERBIAYA:

B d b = BIAYA DANA / DANA BERBIAYA x 100%

B d k = BIAYA DANA / DANA x 100%

1. BIAYA DANA RATA2 BG DANA YG BERBIAYA:

B d b = BIAYA DANA / DANA BERBIAYA x 100%

B d k = BIAYA DANA / DANA x 100%

2. BIAYA DANA RATA2 TERTIMBANG:

A. Dana yg dikeluarkan seblm dikeluarkan (Reserve Requirement = RR ),

= Cost of Fund (COF ) B. Dana yg dikeluarkan setlh dikeluarkan (Reserve Requirement = RR),

= Cost of Loanable Fund (COLF )


A. Dana yg dikeluarkan seblm dikeluarkan (Reserve Requirement = RR ),

= Cost of Fund (COF ) B. Dana yg dikeluarkan setlh dikeluarkan (Reserve Requirement = RR),

= Cost of Loanable Fund (COLF )


EXP; COST OF FUND PT.MAS

No Sumber Dana Dana Tkt Bunga

I Dana Berbiaya 1. Giro 850 8%2. Tabungan 1.200 13.5%

3. Deposito berjgka 1.600 13% 4. Sertifikat Deposito 650 12.5%

5. Deposito on call 1.450 12.3%6. K L B I 550 11%7. Pinjaman lain 700 13% J U M L A H 7.000

II Dana Tdk Berbiaya

1. Setoran jaminan 150 2. Depst berjgk jth tempo 2003. Transfer 3504. Dana titipan 300 J U M L A H 1.000 Total I + II 8.000

No Sumber Dana Dana Tkt Bunga

I Dana Berbiaya 1. Giro 850 8%2. Tabungan 1.200 13.5%

3. Deposito berjgka 1.600 13% 4. Sertifikat Deposito 650 12.5%

5. Deposito on call 1.450 12.3%6. K L B I 550 11%7. Pinjaman lain 700 13% J U M L A H 7.000

II Dana Tdk Berbiaya

1. Setoran jaminan 150 2. Depst berjgk jth tempo 2003. Transfer 3504. Dana titipan 300 J U M L A H 1.000 Total I + II 8.000

68

Biaya Dana

16220881.25

178.3560.5091

849.10

849.10

JADI B d b = 849.10 / 7.000 x 100% = 12.13%

JADI B d b = 849.10 / 7.000 x 100% = 12.13%

JADI B d k = 849.10 / 8.000 x 100% = 10.61%

JADI B d k = 849.10 / 8.000 x 100% = 10.61%


A. Dana yg dikeluarkan seblm dikeluarkan RR = Cost of Fund (COF ) B. Dana yg dikeluarkan setlh dikeluarnan RR = Cost of Loanable Fund

(COLF ) CTH


A. Dana yg dikeluarkan seblm dikeluarkan RR = Cost of Fund (COF ) B. Dana yg dikeluarkan setlh dikeluarnan RR = Cost of Loanable Fund

(COLF ) CTH

EXP; COST OF LOANABLE FUND PT. MAS

No Sumber Dana Dana

1 Giro 250.0002 Tabungan 400.0003 Dpst berjgk 700.0004 Srtfikat Dpst 550.0005 Dpst on call 325.0006 K L B I 125.0007 Pinjaman lain 150.000

J U M L A H 2.500.000

Tkt r RRKomposisi Dana

10.30 316.00 318.50 317.00 316.50 312.00 314.00 3

rEfektif

Kontribusi Bd

Cost of Loan able Fund

1016282213 5 6

10.3116.4928.8722.6813.40 5.15 6.18

1.052.648.084.991.740.260.37

19.13100

UTK MENGHASILKAN “ BASE LANDING RATE ” (TKT r KREDIT YG DI

TAWARKAN BANK KPD DEBITUR PERLU DIPERHATIKAN BIAYA LAINMISALx:

UTK MENGHASILKAN “ BASE LANDING RATE ” (TKT r KREDIT YG DI

TAWARKAN BANK KPD DEBITUR PERLU DIPERHATIKAN BIAYA LAINMISALx:

BIAYA LAIN MISALx: Overhead Cost = 1.75% Spread = 3.5%

Tkt T terhdp Spread = 30%Cadangan Piutang = 2%

MAKA “BASE LANDING RATE ” SBB: C O L F = 19.13%S p r e a d = 3.50%

T o t a l = 22.63%T 30% x Spread = 1.05%Cadangan Piutang

= 2.00%Overhead Cost = 1.75%

T o t a l = 27.43%CTH; COST OF FUND GIRO & TABUNGAN PT. MAS

50.000 75.000125.000

8% 9%12%

250.000

Komposisi Dana Tkt rBY.Dana

4.000 6.750

15.000

25.750

Komposisi Dana Tkt rBY.Dana

150.000 250.000

400.000

15% 16.6%

22.50041.500

64.000

COF GIRO = 25.750/250.000 = 10.30%

COF GIRO = 25.750/250.000 = 10.30%

COF TB = 64.000/400.000 = 16.00%COF TB = 64.000/400.000 = 16.00%


CTH; COST OF FUND DEPOSITO PT. MAS

Komposisi Dana Jgk Waktu Tkt r

160.000 180.000 200.000 160.000

700.000

1 bulan 3 bulan 6 bulan12 bulan

16% 17% 18.5% 22.7%

BY.Dana

25.60030.60037.00036.300

129.500

COF DEPOSITO = 129.500/7000.000 = 18.50%

COF DEPOSITO = 129.500/7000.000 = 18.50%

JADI; COST OF FUND GIRO,DEP,TAB PT. MAS

Sumber Dana Jlh Dana Tkt r

Giro 250.000 10.30Tabungan 400.000 16.00Deposito 700.000 18.50

J U M L A H 1.350.000

BY.Dana

25.75064.000

129.500

219.250

COF GIRO, DEP, TAB = 219.250/1.350.000 = 16.24%

COF GIRO, DEP, TAB = 219.250/1.350.000 = 16.24%


JADI; COST OF LOANABLE FUND GIRO,DEP,TAB PT. MAS

Sumber Dana Loanable FundTkt r BY.Dana

Giro (97%) 10.30Tabungan(97%) 16.00Deposito (97%) 18.50

J U M L A H 1.309.000

242.000388.000679.000

24.977.562.080.0

125.615.0

212.672.5

COLF GIRO, DEP, TAB = 212.672.5/1.309.500 = 16.24%

COLF GIRO, DEP, TAB = 212.672.5/1.309.500 = 16.24%


T U G A S:

• Buat kelompok dengan jumlah anggota 4 orang;

• Membawa contoh laporan keuangan sebuah bank;

• Buat analisis khusus effisiensi usaha;• Hasilnya dipresentasikan/didiskusikan

pd pertemuan terakhir (pertemuan ke 3);

T U G A S:

• Buat kelompok dengan jumlah anggota 4 orang;

• Membawa contoh laporan keuangan sebuah bank;

• Buat analisis khusus effisiensi usaha;• Hasilnya dipresentasikan/didiskusikan

pd pertemuan terakhir (pertemuan ke 3);


No Sumber Dana Dana

1 Giro 500.0002 Tabungan 800.0003 Dpst berjgk 1.400.0004 Srtfikat Dpst 1.100.0005 Dpst on call 650.0006 K L B I 250.0007 Pinjaman lain 300.000

J U M L A H 5.000.000

PERTANYAAN:BERDASARKAN DATA KEUANGAN DI ATAS TENTUKAN BESARNYA:1. KOMPOSISI DANA DARI MASING2 SUMBER DANA;2. TINGKAT BUNGA EFEKTIF;3. KONTRIBUSI BIAYA DANA;4. BASE LANDING RATE. (dg asumsi biaya lain sbb, spread=7%,

overhead cost=3.50%, cadangan piutang=4.00%, pajak spread=40%.



CTH; COST OF LOANABLE FUND PT. MAS

TUGAS / LATIHAN:

Tkt r RR

20.60 532.00 537.00 534.00 533.00 524.00 528.00 5


1 GiroKomposisi Dana 100.000 150.000 250.000Tingkat Bunga 16% 18% 24%

2 TabunganKomposisi Dana 300.000 500.000Tingkat Bunga 30% 33.2%

3 DepositoKomposisi Dana 320.000 360.000 400.000 320.000Tingkat Bunga 32% 34% 37% 45.4%

CTH; COST OF FUND GIRO,TAB,DEP, PT. MAS

TUGAS / LATIHAN:

PERTANYAAN:1. HITUNG BIAYA DANA DAN COST OF FUND (COF ) MASING2

SUMBER DANA;2. TENTUKAN BESARNYA COST OF LOANABLE FUND MASING2

SUMBER DANA DAN COST OF LOANABLE FUND KESELURUHAN


SUMBER DANA;2. TENTUKAN BESARNYA COST OF LOANABLE FUND MASING2

SUMBER DANA DAN COST OF LOANABLE FUND KESELURUHAN


No Sumber Dana Dana

1 Giro 500.0002 Tabungan 800.0003 Dpst berjgk 1.400.0004 Srtfikat Dpst 1.100.0005 Dpst on call 650.0006 K L B I 250.0007 Pinjaman lain 300.000

J U M L A H 5.000.000





CTH; COST OF LOANABLE FUND PT. MAS

JAWABAN TUGAS / LATIHAN:

Tkt r RR

20.60 632.00 637.00 634.00 633.00 624.00 628.00 6

K-Dana r Eftf KB.Dana

C O L F =

1016282213 5 6

10.6417.0229.7923.4013.83 5.32 6.38

1.062.728.345.151.800.270.38

19.72100


1 GiroKomposisi Dana 100.000 150.000 250.000Tingkat Bunga 16% 18% 24%

2 TabunganKomposisi Dana 300.000 500.000Tingkat Bunga 30% 33.2%

3 DepositoKomposisi Dana 320.000 360.000 400.000 320.000Tingkat Bunga 32% 34% 37% 45.4%

CTH; COST OF FUND GIRO,TAB,DEP, PT. MAS

JAWABAN TUGAS / LATIHAN:


SUMBER DANA;2. TENTUKAN BESARNYA COST OF FUND GIRO, TAB, DEP;3. TENTUKAN BESARNYA COST OF LOANABLE FUND.


SUMBER DANA;2. TENTUKAN BESARNYA COST OF FUND GIRO, TAB, DEP;3. TENTUKAN BESARNYA COST OF LOANABLE FUND.

16.000 27.000 60.000

90.000 166.000

Biaya Dana500.000

103.000= 20.60

Biaya Dana

256.000800.000

= 32.00

Biaya Dana 102.400 122.400 148.000 145.280

518.080

1.400.000


JADI BESARNYA COST OF FUND GIRO,TAB,DEP,No Sumber Dana Dana Tkt r B.Dana

1 GIRO 500.0002 TABUNGAN 800.0003 DEPOSITO 1.400.000

20.60 32.0037.00

103.000 256.000518.080

J U M L A H 2.700.000 877.080

COF (GTD)877.080

2.700.000= 32.48

SEHINGGA COST OF LOANABLE FUND = No Sumber Dana L.Fund Tkt r B.Dana

1 GIRO (94) 470.0002 TAB (94) 752.0003 DEP (94) 1.316.000

20.60 32.0037.00

96.820 240.640486.920

J U M L A H 2.538.000 824.380

COLF =824.380

2.538.000= 32.48


MANAJEMEN DANA BANK :

MANAJEMEN DANA BANK :

SPREAD

SPREAD

12.5%KREDIT

12.5%KREDIT

11%SIMPANAN

11%SIMPANAN

COST ADMCOST ADM

0,5%0,5%

0,3%0,3%

PREMI INFLASI

PREMI INFLASI

9%9%

9%9%

PREMI RISK

PREMI RISK

1%1%

0.7%0.7%

r /i Mr /i M

2%2%

1%1%

r /i r /i


fund management bank :

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