Liquidity Risk bni ar 2011 th
3. Risiko Likuiditas
Risiko likuiditas berhubungan dengan adanya kemungkinan bank tidak mampu untuk memenuhi kewajiban terhadap deposan, investor dan kreditur, yang diantaranya disebabkan keterbatasan akses pendanaan atau ketidakmampuan untuk melikuidasi aset yang dimiliki dengan harga yang wajar. Pengelolaan risiko likuiditas ini bertujuan untuk meminimalkan kemungkinan ketidakmampuan Bank dalam memperoleh sumber pendanaan arus kas, dan membangun kekuatan likuiditas struktural neraca bank untuk mendukung pertumbuhan jangka panjang yang berkesinambungan. Manajemen Risiko Likuiditas dilakukan oleh Divisi ERM dan Divisi Tresuri TRS. Dalam rangka manajemen risiko likuiditas ini, Divisi ERM telah menyusun Pedoman Penerapan Manajemen Risiko Likuiditas yang lebih lanjut dijabarkan kedalam SOP yang berisi panduan pelaksanaan manajemen risiko likuiditas, baik di sisi pelaksana pengelolaan likuiditas di Divisi TRS maupun di sisi monitoring risikonya pada Divisi ERM. Dalam mengelola likuiditas, selain primary reserves BNI menjaga dan mempertahankan secondary reserves untuk memastikan likuiditas berada pada level yang aman. Sebagai cadangan secondary reserves, BNI menjaga dan mempertahankan tertiary reserves. Penetapan dan pemantauan limit yaitu limit Secondary Reserve SR Ideal dan limit on-shore loan dilakukan secara berkala oleh Divisi ERM. Sedangkan ketersediaan atas keseluruhan reserves dipantau secara harian, mingguan, dan bulanan oleh Divisi TRS. Dalam mengelola risiko likuiditas, BNI menggunakan proyeksi arus kas harian dan profil maturitas bulanan, baik secara kontraktual maupun behavioral , agar dapat menetapkan strategi yang sesuai dan akurat untuk mengantisipasi kondisi likuiditas bank di masa mendatang. Salah satu kekuatan dari proses pemantauan risiko BNI adalah ketersediaan informasi profil likuiditas bank. Informasi tersebut tersedia di aplikasi Executive Information Management EIS, yang dapat menyajikan informasi perkembangan dana maupun pinjaman secara harian sehingga dapat pula dihasilkan profil arus kas harian dan profil3. Liquidity Risk
Liquidity risk is related with the possibility that the bank is not able to fulfil its obligation to depositor, investor and creditor caused by, among others, limitation of funding access or inability to liquidate its assets with a reasonable price. Liquidity risk management is intended to minimize the possibility of the bank’s inability in obtaining sources of cash flow funding, and developing the strength of the bank’s balance sheet structural liquidity to support continuous long term growth. Management of Liquidity Risk is done by ERM Division and Treasury Division TRS. In order of this liquidity risk management, the ERM Division arranged a guideline for implementation of Liquidity Risk Management, that is further described under the SOP on the guidance for liquidity risk management implementation, both on the side of liquidity management implementer in the TRS Division and on the side of risk monitoring on the ERM Division. In liquidity management, aside from primary reserves, BNI maintains secondary reserves to ensure that liquidity is on a secure level. As a backup to the secondary reserves, BNI maintains a tertiary reserves. The determination and monitoring of limit, which is Ideal Secondary Reserves limit and on-shore loan limit are conducted regularly by the ERM Division. While the availability of the whole reserves is monitored on daily, weekly, and monthly basis by the TRS Division. In managing the liquidity risk, BNI uses daily cash flow projection and monthly maturity profile, both contractual and behavioral, to be able to determine the exact and accurate strategy to anticipate the bank’s liquidity condition in the future. One of the strengths of BNI’s risk monitoring process is the availability of bank’s liquidity profile information. Such information is available in the Executive Information Management EIS application, which is able to present fund development information and loan on daily basis, so that daily cash flow profile and monthly BNI 170 maturitas bulanan yang dapat digunakan sebagai salah satu sistem pemantauan dan pengelolaan risiko likuiditas bank.4. Risiko Operasional
Parts
» Langkah-langkah Strategis 2011 Bank’s Strategic Direction
» Strategic Initiatives in 2011 Kebijakan Stategis 2011
» Contingency Receivables 2011 Strategic Policies
» Risiko Kredit bni ar 2011 th
» Risiko Likuiditas bni ar 2011 th
» Liquidity Risk bni ar 2011 th
» Risiko Operasional Operational Risk
» Risiko Operasional, perbaikan terhadap Loss Other Risk, Regulatory Capital Allocation RCAP,
» Komite Audit Audit Committee
» GENERAL a. Pendirian bni ar 2011 th
» IKHTISAR KEBIJAKAN bni ar 2011 th
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» CASH GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS a. Berdasarkan mata uang
» PENEMPATAN PADA BANK LAIN DAN BANK PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA continued
» MARKETABLE SECURITIES bni ar 2011 th
» SURAT-SURAT BERHARGA bni ar 2011 th
» DERIVATIVES RECEIVABLE AND PAYABLE continued
» DERIVATIVES RECEIVABLE AND PAYABLE continued PINJAMAN YANG DIBERIKAN LOANS
» LOANS continued a. bni ar 2011 th
» LOANS continued b. Transaksi dengan pihak tertentu lanjutan
» LOANS continued c. Berdasarkan sektor ekonomi lanjutan
» LOANS continued e. bni ar 2011 th
» LOANS continued g. bni ar 2011 th
» LOANS continued i. bni ar 2011 th
» LOANS continued k. bni ar 2011 th
» LOANS continued l. Informasi pokok lainnya sehubungan OBLIGASI PEMERINTAH GOVERNMENT BONDS
» GOVERNMENT BONDS continued a. Berdasarkan jenis dan mata uang lanjutan
» GOVERNMENT BONDS continued a.
» PENYERTAAN SAHAM EQUITY INVESTMENTS EQUITY INVESTMENTS continued
» ASET TETAP FIXED ASSETS FIXED ASSETS continued
» OTHER ASSETS – NET bni ar 2011 th
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY DEPOSITS FROM CUSTOMERS
» DEPOSITS FROM CUSTOMERS continued a. Berdasarkan jenis dan mata uang lanjutan
» DEPOSITS FROM CUSTOMERS continued b.
» LIABILITAS AKSEPTASI ACCEPTANCES PAYABLE ACCEPTANCES PAYABLE continued a.
» ACCEPTANCES PAYABLE c. SURAT-SURAT BERHARGA MARKETABLE SECURITIES ISSUED
» PINJAMAN YANG DITERIMA BORROWINGS BORROWINGS continued a.
» BORROWINGS continued a. Berdasarkan jenis dan mata uang lanjutan
» PERPAJAKAN TAXATION TAXATION continued b. Beban
» TAXATION continued b. Beban pajak lanjutan
» TAXATION continued c. Aset pajak tangguhan
» TAXATION continued e. Surat ketetapan pajak lanjutan LIABILITAS LAIN-LAIN OTHER LIABILITIES
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME APPROPRIATION OF NET INCOME continued
» CADANGAN UMUM DAN WAJIB GENERAL AND LEGAL RESERVES CADANGAN KHUSUS SPECIFIC RESERVES
» SALARIES AND EMPLOYEE BENEFITS BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» EMPLOYEE BENEFITS Program pensiun manfaat pasti
» EMPLOYEE BENEFITS continued Program pensiun manfaat pasti lanjutan
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» EMPLOYEE BENEFITS continued Imbalan kerja jangka panjang lainnya lanjutan
» COMMITMENTS AND CONTINGENCIES TRANSAKSI DENGAN PIHAK BERELASI RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued a. Jenis hubungan dan unsur transaksi pihak
» RELATED PARTY TRANSACTIONS continued a.
» RELATED PARTY TRANSACTIONS continued d. Surat berharga lanjutan
» RELATED PARTY TRANSACTIONS continued g. Pinjaman
» KEPENTINGAN NONPENGENDALI NON-CONTROLLING INTEREST SEGMENT INFORMATION
» SEGMENT INFORMATION continued bni ar 2011 th
» SEGMENT INFORMATION continued RISK MANAGEMENT
» RISK MANAGEMENT continued bni ar 2011 th
» CREDIT RISK continued bni ar 2011 th
» CREDIT RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK
» LIQUIDITY RISK continued bni ar 2011 th
» RISIKO PASAR MARKET RISK MARKET RISK continued
» MARKET RISK continued i Risiko tingkat suku bunga lanjutan
» MARKET RISK continued ii. Risiko mata uang lanjutan
» OPERATIONAL RISK bni ar 2011 th
» OPERATIONAL RISK continued bni ar 2011 th
» NILAI WAJAR ASET DAN LIABILITAS KEUANGAN FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan HAL-HAL LAINNYA OTHER MATTERS
» OTHER MATTERS continued bni ar 2011 th
» CAPITAL EXPENDITURE COMMITMENTS PROGRAM PENGGANTI MANAGEMENT - EMPLOYEE STOCK
» MANAGEMENT - EMPLOYEE STOCK KREDIT KELOLAAN CHANNELING LOANS
» INFORMASI KEUANGAN TAMBAHAN SUPPLEMENTARY FINANCIAL INFORMATION
» MANAGEMENT’S RESPONSIBILITY ON THE CONSOLIDATED FINANCIAL STATEMENTS 2011
» December December 2011 bni ar 2011 th
» December December December December
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