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FUND MANAGEMENT BANK :

FUND MANAGEMENT BANK :. COST ADM. INFLATION PREMIUM. RISK PREMIUM. r / i PURE/M. r / i CREDIT 12,5%. 0,5%. 9%. 1%. 2%. r / i KEEP 11%. 0,3%. 9%. 0.7%. 1%.

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FUND MANAGEMENT BANK :

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  1. FUND MANAGEMENT BANK : COST ADM INFLATION PREMIUM RISK PREMIUM r /i PURE/M r/i CREDIT 12,5% 0,5% 9% 1% 2% r/i KEEP 11% 0,3% 9% 0.7% 1% MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  2. COST OF FUND BANK: • 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 ) MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  3. 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 200 3. Transfer 350 4. Dana titipan 300 J U M L A H 1.000 Total I + II 8.000  Biaya Dana 68 162 208 81.25 178.35 60.50 91 849.10 849.10 JADI B d b = 849.10 / 7.000 x 100% = 12.13% JADI B d k = 849.10 / 8.000 x 100% = 10.61%

  4. 2. BIAYA DANA RATA2 TERTIMBANG: 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 r Efektif Kontri busi Bd No Sumber Dana  Dana Komposisi Dana Tkt r RR • Giro 250.000 • Tabungan 400.000 • Dpst berjgk 700.000 • Srtfikat Dpst 550.000 • Dpst on call 325.000 • K L B I 125.000 • Pinjaman lain 150.000 • J U M L A H 2.500.000 10 10.30 3 16.00 3 18.50 3 17.00 3 16.50 3 12.00 3 14.00 3 10.31 1.05 16 16.49 2.64 28 28.87 8.08 22 22.68 4.99 13 13.40 1.74 5 5.15 0.26 6 6.18 0.37 100 19.13 Cost of Loan able Fund UTK MENGHASILKAN “ BASE LANDING RATE ” (TKT r KREDIT YG DI TAWARKAN BANK KPD DEBITUR PERLU DIPERHATIKAN BIAYA LAIN MISALx:

  5. 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 Komposisi Dana Tkt r BY.Dana Komposisi Dana Tkt r BY.Dana 50.000 75.000 125.000 150.000 250.000 15% 16.6% 8% 9% 12% 4.000 22.500 6.750 41.500 15.000 250.000 25.750 400.000 64.000 COF TB = 64.000/400.000 = 16.00% COF GIRO = 25.750/250.000 = 10.30% MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  6. CTH; COST OF FUND DEPOSITO PT. MAS Komposisi Dana Jgk Waktu Tkt r BY.Dana 1 bulan 3 bulan 6 bulan 12 bulan 16% 17% 18.5% 22.7% 160.000 180.000 200.000 160.000 25.600 30.600 37.000 36.300 700.000 129.500 COF DEPOSITO = 129.500/7000.000 = 18.50% JADI; COST OF FUND GIRO,DEP,TAB PT. MAS Sumber Dana Jlh Dana Tkt r BY.Dana Giro 250.000 10.30 Tabungan 400.000 16.00 Deposito 700.000 18.50 25.750 64.000 129.500 J U M L A H 1.350.000 219.250 COF GIRO, DEP, TAB = 219.250/1.350.000 = 16.24% MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  7. JADI; COST OF LOANABLE FUND GIRO,DEP,TAB PT. MAS Sumber Dana Loanable Fund Tkt r BY.Dana Giro (97%) 10.30 Tabungan(97%) 16.00 Deposito (97%) 18.50 242.000 24.977.5 388.000 62.080.0 679.000 125.615.0 J U M L A H 1.309.000 212.672.5 COLF GIRO, DEP, TAB = 212.672.5/1.309.500 = 16.24% MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  8. 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); MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  9. TUGAS / LATIHAN: CTH; COST OF LOANABLE FUND PT. MAS Tkt r No Sumber Dana  Dana RR • Giro 500.000 • Tabungan 800.000 • Dpst berjgk 1.400.000 • Srtfikat Dpst 1.100.000 • Dpst on call 650.000 • K L B I 250.000 • Pinjaman lain 300.000 • J U M L A H 5.000.000 20.60 5 32.00 5 37.00 5 34.00 5 33.00 5 24.00 5 28.00 5 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%. MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  10. TUGAS / LATIHAN: CTH; COST OF FUND GIRO,TAB,DEP, PT. MAS • Giro • Komposisi Dana 100.000 150.000 250.000 • Tingkat Bunga 16% 18% 24% • Tabungan • Komposisi Dana 300.000 500.000 • Tingkat Bunga 30% 33.2% • Deposito • Komposisi Dana 320.000 360.000 400.000 320.000 • Tingkat Bunga 32% 34% 37% 45.4% • PERTANYAAN: • HITUNG BIAYA DANA DAN COST OF FUND (COF ) MASING2 SUMBER DANA; • TENTUKAN BESARNYA COST OF LOANABLE FUND MASING2 SUMBER DANA DAN COST OF LOANABLE FUND KESELURUHAN MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  11. JAWABAN TUGAS / LATIHAN: CTH; COST OF LOANABLE FUND PT. MAS Tkt r r Eftf KB.Dana No Sumber Dana  Dana RR K-Dana • Giro 500.000 • Tabungan 800.000 • Dpst berjgk 1.400.000 • Srtfikat Dpst 1.100.000 • Dpst on call 650.000 • K L B I 250.000 • Pinjaman lain 300.000 • J U M L A H 5.000.000 20.60 6 32.00 6 37.00 6 34.00 6 33.00 6 24.00 6 28.00 6 10 10.64 1.06 16 17.02 2.72 28 29.79 8.34 22 23.40 5.15 13 13.83 1.80 5 5.32 0.27 6 6.38 0.38 100 C O L F = 19.72 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%. MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  12. JAWABAN TUGAS / LATIHAN: CTH; COST OF FUND GIRO,TAB,DEP, PT. MAS • Giro • Komposisi Dana 100.000 150.000 250.000 • Tingkat Bunga 16% 18% 24% • Tabungan • Komposisi Dana 300.000 500.000 • Tingkat Bunga 30% 33.2% • Deposito • Komposisi Dana 320.000 360.000 400.000 320.000 • Tingkat Bunga 32% 34% 37% 45.4% 103.000 = 20.60 500.000 Biaya Dana 16.000 27.000 60.000 256.000 = 32.00 800.000 Biaya Dana 90.000 166.000 518.080 1.400.000 Biaya Dana 102.400 122.400 148.000 145.280 • PERTANYAAN: • HITUNG BIAYA DANA DAN COST OF FUND (COF ) MASING2 SUMBER DANA; • TENTUKAN BESARNYA COST OF FUND GIRO, TAB, DEP; • TENTUKAN BESARNYA COST OF LOANABLE FUND. MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  13. JADI BESARNYA COST OF FUND GIRO,TAB,DEP, No Sumber Dana  Dana Tkt r B.Dana • GIRO 500.000 • TABUNGAN 800.000 • DEPOSITO 1.400.000 20.60 32.00 37.00 103.000 256.000 518.080 J U M L A H 2.700.000 877.080 877.080 COF (GTD) = 32.48 2.700.000 SEHINGGA COST OF LOANABLE FUND = No Sumber Dana L.Fund Tkt r B.Dana • GIRO (94) 470.000 • TAB (94) 752.000 • DEP (94) 1.316.000 20.60 32.00 37.00 96.820 240.640 486.920 J U M L A H 2.538.000 824.380 824.380 = 32.48 COLF = 2.538.000 MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

  14. MANAJEMENDANA BANK : SPREAD r /i COST ADM PREMI INFLASI PREMI RISK r /i M 12.5% KREDIT 0,5% 9% 1% 2% 11% SIMPANAN 0,3% 9% 0.7% 1% MANAJEMEN DANA BANK ------------------------ AMBOS HADMAR ------------------------- MANAJEMEN DANA BANK ----------------------- AMBOS HADMAR

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