Slide MGT210 Slide 12
CHAPTER 17
Banking and the
Management of
Financial
Institutions
Copyright © 2012 Pearson Prentice Hall.
All rights reserved.
Chapter Preview
Bank memainkan peran penting dalam
menyalurkan dana (sekitar $6 triliun per
tahun) untuk membiayai peluang investasi
produktif.
Mereka memberikan pinjaman untuk
usaha, membiayai pendidikan perguruan
tinggi, dan memungkinkan kita untuk
membeli rumah dengan KPR.
© 2012 Pearson Prentice Hall. All rights reserved.
17-2
Chapter Preview
Dalam bab ini, kita meneliti bagaimana perbankan
dilakukan untuk mendapatkan keuntungan
tertinggi. Dalam pengaturan perbankan komersial,
kita melihat pinjaman, manajemen neraca, dan
penentu pendapatan. Topiknya meliputi::
─ The Bank Balance Sheet (Neraca Bank)
─ Basics of Banking (Dasar-dasar Perbankan)
─ General Principles of Bank Management (Prinsipprinsip Umum Manajemen Bank)
─ Off-Balance Sheet Activities
─ Measuring Bank Performance (Mengukur Kinerja Bank)
© 2012 Pearson Prentice Hall. All rights reserved.
17-3
The Bank Balance Sheet
The Balance Sheet (Neraca) adalah daftar
aset dan kewajiban bank
Total assets = total liabilities + capital
© 2012 Pearson Prentice Hall. All rights reserved.
17-4
The Bank Balance Sheet
A bank’s balance sheet lists sources of
bank funds (liabilities) and uses to which
they are put (assets)
Banks invest these liabilities (sources) into
assets (uses) in order to create value for
their capital providers
© 2012 Pearson Prentice Hall. All rights reserved.
17-5
The Bank Balance Sheet
Lowest cost
source of
funds
payable on
demand
Pay no
interest
Deposit
with no
check
writing
Secondary
reserves
Discount loans
Fed Funds,
74% of
Assets
Corporate Loans
have grown by
factor of 10 since
1960 as % of Liab
Flow of funds (tab down to commercial banks)
http://www.federalreserve.gov/releases/z1/current/z1r-4.pdf
© 2012 Pearson Prentice Hall. All rights reserved.
Bank Equity = Assets Liabilities,
listed as Liab because Bank owes this
to owners. Also includes Loan
Loss Reserves
17-6
Banking and the
Management of
Financial
Institutions
Copyright © 2012 Pearson Prentice Hall.
All rights reserved.
Chapter Preview
Bank memainkan peran penting dalam
menyalurkan dana (sekitar $6 triliun per
tahun) untuk membiayai peluang investasi
produktif.
Mereka memberikan pinjaman untuk
usaha, membiayai pendidikan perguruan
tinggi, dan memungkinkan kita untuk
membeli rumah dengan KPR.
© 2012 Pearson Prentice Hall. All rights reserved.
17-2
Chapter Preview
Dalam bab ini, kita meneliti bagaimana perbankan
dilakukan untuk mendapatkan keuntungan
tertinggi. Dalam pengaturan perbankan komersial,
kita melihat pinjaman, manajemen neraca, dan
penentu pendapatan. Topiknya meliputi::
─ The Bank Balance Sheet (Neraca Bank)
─ Basics of Banking (Dasar-dasar Perbankan)
─ General Principles of Bank Management (Prinsipprinsip Umum Manajemen Bank)
─ Off-Balance Sheet Activities
─ Measuring Bank Performance (Mengukur Kinerja Bank)
© 2012 Pearson Prentice Hall. All rights reserved.
17-3
The Bank Balance Sheet
The Balance Sheet (Neraca) adalah daftar
aset dan kewajiban bank
Total assets = total liabilities + capital
© 2012 Pearson Prentice Hall. All rights reserved.
17-4
The Bank Balance Sheet
A bank’s balance sheet lists sources of
bank funds (liabilities) and uses to which
they are put (assets)
Banks invest these liabilities (sources) into
assets (uses) in order to create value for
their capital providers
© 2012 Pearson Prentice Hall. All rights reserved.
17-5
The Bank Balance Sheet
Lowest cost
source of
funds
payable on
demand
Pay no
interest
Deposit
with no
check
writing
Secondary
reserves
Discount loans
Fed Funds,
74% of
Assets
Corporate Loans
have grown by
factor of 10 since
1960 as % of Liab
Flow of funds (tab down to commercial banks)
http://www.federalreserve.gov/releases/z1/current/z1r-4.pdf
© 2012 Pearson Prentice Hall. All rights reserved.
Bank Equity = Assets Liabilities,
listed as Liab because Bank owes this
to owners. Also includes Loan
Loss Reserves
17-6