Identifikasi dan Pengukuran Risiko Material

213 Bank Sulut 2013 Annual Report - Risiko Operasional, - Risiko Strategik, - Risiko Reputasi. b. Metode dan asumsi yang digunakan Risiko Konsentrasi Kredit Parameter komposisi portofilio asset dan tingkat kosentrasi • Sub Parameter Asset Per Akun Neraca Kategori KK Biasa, KK Cash Collateral, KK Pensiunan PNS, Kredit Konsumtif Umum. KK Pejabat PublikAnggota Dewan dibanding total aset sesuai penilaian, rasio 61- 70 penetapan rasio ideal 40. • Sub Parameter Kredit sector ekonomi dibanding total kredit Kategori Lain-lain KK Biasa, KK Lainnya, KPR dibanding total kredit sesuai penilaian, rasio 70 penetapan rasio ideal 60. • Sub Parameter Kredit per kategori portofolio dibanding total kredit Kategori KK Biasa, KK Cash Collateral, KK Pensiunan PNS, Kredit Konsumtif Umum. KK Pejabat PublikAnggota Dewan banding total kredit sesuai penilaian, rasio diatas 60 penetapan rasio ideal 50. Risiko Pasar Parameter Volume dan Komposisi • Sub Parameter Volume dan Komposisi Aset keuangan dengan sisa jatuh tempo diatas satu tahun dibanding kewajiban keuangan dengan sisa jatuh tempo diatas satu tahun sesuai penilaian, rasio 60 penetapan rasio ideal 30. Risiko Likuiditas a. Parameter Komposisi aset, Kewajiban Transaksi Rekening • Sub Administratif TRA Sub Parameter Komposisi aset, Kewajiban Transaksi Rekening Adminstratif - Pendanaan Non Inti dibandingkan total Pendanaan sesuai penilaian, rasio 30 idealnya rasio ini lebih kecil 10 - Operational Risk - Strategic Risk - Reputation Risk b. Method and Assumption Used Credit Concentration Risk Assets Portfolio composition and concentration indicators • Assets per Balance Sheet Post Sub-Indicator General KK, Cash Collateral KK, Civil Servant Pension KK, General Consumer KK, Public OfficialLegislature KK category to total assets based on assessment, ratio of 61 - 70, ideal ratio determination 40. • Credit of Economy Sector to Total Credit Sub-Indicator Other categories General KK, Other KK, Mortgage to total credit based on assessment, ratio ? 70 from ideal ratio determination 60. • Credit per Portfolio Category to total credit Sub-Indicator General KK, Cash Collateral KK, Civil Servant Pension KK, General Consumer KK, Public OfficialLegislature KK category to total assets based on assessment, ratio exceeding 60, ideal ratio determination 50. Market Risk Volume and Composition Indicator • Volume and Composition Sub-indicator Financial assets with maturity more than one year to financial liabilities with maturity more than one year, based on assessment, ratio of 60, ideal ratio determination 30. Liquidity Risk a. Assets, Liabilities and Accounts Transaction Composition Indicators • Off-balance accounts sub-indicator assets, liabilities off- balance transaction composition - Non-core financing to total financing based on assessment ratio of 30, ideally, the ratio is below 10.