8/17/2019 rumus manajemen perbankan

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1.Interest margin = interest income – interest expans : earning asset

*earning asset = penempatan pd bank lain,tgihan spot dan derivative,surat

berharga,surat berharga yg dijual dgn janji dibeli kmblirepo!,tagihan ats surat

berharga yg dibeli dgn janji dijual kmbli,tagihan ekspektasi

askseptasi,kredit,pembiayaan syariah,penyertaan

".#et margin = net incomelaba rugi bersih! : revenuepndptn a$al!

*revenue = pnptn bunga,pndptn non bunga

%.&sset 'tili(ation = revenue : asset

).+& = #et income : asset

.-everage multiplier = asset : euity

*euity= modal disetor,tmbhn modal disetor

/.+0 = net income : euity

.-iuity risk = surat berharga : total dana pihak ke tiga

*total dana pihak ketiga=giro,tabungan,simpanan berjangka

2.Interest risk rate=interest sensitive asset : interest sensitive liliabilities

* interest sensitive asset=surat berharga,kredit

* interest sensitive liliabilities=total dana pihak ke % ,pnjmn dari bank

indo,pnjmn dari bank lain

3.kredit risk= kredit : total asset

14.capital risk = euity : risk asset

* risk asset = surat berharga,pnmpatan pd bank lain,kredit yg disalurkan

#5: jangan lupa di kali 144 6 ya teman7teman8.dijadikan bntuk 6