PERATURAN BANK INDONESIA NOMOR:9/1/PBI/2007
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Transcript of PERATURAN BANK INDONESIA NOMOR:9/1/PBI/2007
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PERATURAN BANK INDONESIANOMOR:9/1/PBI/2007
SISTEM PENILAIAN TINGKAT KESEHATAN BANK UMUM
BERDASARKAN PRINSIP SYARIAH
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PERATURAN BANK INDONESIANOMOR:9/1/PBI/2007
Peraturan ini mencabut:
a. SK Dir BI No.23/81/KEP/DIR Tgl.28-02-1991b. SK Dir BI No.30/11/KEP/DIR Tgl.30-04-1997c. SK Dir BI No.30/277/KEP/DIR Tgl.19-03-
1998d. SE No.31/9/UPPB Tgl.12-11-1998
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LATAR BELAKANG
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LATAR BELAKANG
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LATAR BELAKANG
•Tingkat Kesehatan Bank merupakan hasil penilaian kualitatif atas berbagai aspek yang berpengaruh terhadap kondisi atau kinerja bank dengan melakukan penilaian terhadap Faktor Finansial dan faktor manajemen.
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PENILAIAN FAKTOR FINANSIAL
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FAKTOR FINANSIAL -CAPITAL-
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FAKTOR FINANSIAL -CAPITAL- (1)
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Kecukupan pemenuhan Kewajiban Penyediaan Modal Minimum (KPMM)(Rasio utama)
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FAKTOR FINANSIAL -CAPITAL- (2)
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Kemampuan modal inti dan PPAP (equity) dalam mengcover risiko write off(Rasio penunjang)
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FAKTOR FINANSIAL -CAPITAL- (3)
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Kemampuan modal inti untuk menutup kerugian pada saat likuidasi(Rasio penunjang)
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FAKTOR FINANSIAL -CAPITAL- (4)
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Trend/Pertumbuhan KPMM.(Rasio penunjang)
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FAKTOR FINANSIAL -CAPITAL- (5)
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Kemampuan internal bank untuk menambah modal(Rasio penunjang)
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FAKTOR FINANSIAL -CAPITAL- (6)
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Intensitas fungsi agency bank syariah(Rasio observed)
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FAKTOR FINANSIAL -CAPITAL- (7)
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Modal inti dibandingkan dengan dana mudharabah(Rasio observed)
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FAKTOR FINANSIAL -CAPITAL- (8)
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Deviden Pay Out Ratio(Rasio observed)
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FAKTOR FINANSIAL -CAPITAL- (9)
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Akses kepada sumber permodalan (eksternal support)(Rasio observed)
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MATRIKS KRITERIA PERINGKAT FAKTOR PERMODALAN
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FAKTOR FINANSIAL -ASSET-
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FAKTOR FINANSIAL -ASSET- (1)
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Kualitas aktiva produktif bank syariah(Rasio utama)
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FAKTOR FINANSIAL -ASSET- (2)
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Konsentrasi risiko penyaluran dana kepada debitur inti(Rasio penunjang)
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FAKTOR FINANSIAL -ASSET- (3)
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Kualitas penyaluran dana kepada debitur inti(Rasio penunjang)
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FAKTOR FINANSIAL -ASSET- (4)
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Kemampuan bank dalam menangani/mengembalikan aset yang telah dihapusbuku(Rasio penunjang)
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FAKTOR FINANSIAL -ASSET- (5)
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Besarnya Pembiayaan non performing(Rasio penunjang)
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FAKTOR FINANSIAL -ASSET- (6)
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Tingkat kecukupan agunan yang nonperform terhadap total penyaluran dana yang non perform(Rasio observed)
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FAKTOR FINANSIAL -ASSET- (7)
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Proyeksi kualitas aset produktif(Rasio observed)
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FAKTOR FINANSIAL -ASSET- (8)
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Perkembangan posisi yang direkstrukturisasi terhadap totalpembiayaan(Rasio observed)
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MATRIKS KRITERIA PERINGKAT FAKTOR KUALITAS ASET
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FAKTOR FINANSIAL -EARNING-
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FAKTOR FINANSIAL -EARNING- (1)
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Pendapatan Operasional Bersih (Net Operating Margin, NOM)(Rasio utama)
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FAKTOR FINANSIAL -EARNING- (2)
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Return On Asset(Rasio penunjang)
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FAKTOR FINANSIAL -EARNING- (3)
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Rasio efisiensi kegiatan operasional (REO)(Rasio penunjang)
OR
OEOER
OR
OEOER
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FAKTOR FINANSIAL -EARNING- (4)
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Rasio Aktiva Yang Dapat Menghasilkan Pendapatan (IGA)(Rasio penunjang)
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FAKTOR FINANSIAL -EARNING- (5)
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Diversifikasi Pendapatan(Rasio penunjang)
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FAKTOR FINANSIAL -EARNING- (6)
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Proyeksi Pendapatan Bersih Operasional Utama (PPBO)(Rasio penunjang)
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FAKTOR FINANSIAL -EARNING- (7)
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Rasio Net Margin Operasional utama(Rasio observed)
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FAKTOR FINANSIAL -EARNING- (8)
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Return On Equity(Rasio observed)
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FAKTOR FINANSIAL -EARNING- (9)
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Komposisi penempatan dana pada surat berharga/pasar keuangan(Rasio observed)
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FAKTOR FINANSIAL -EARNING- (10)
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Disparitas imbal jasa antara employee benefit tertinggi denganemployee benefit terendah(Rasio observed)
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FAKTOR FINANSIAL -EARNING- (11)
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Fungsi edukasi publik (CSR)(Rasio observed)
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FAKTOR FINANSIAL -EARNING-(12)
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Fungsi sosial(Rasio observed)
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FAKTOR FINANSIAL -EARNING-(13)
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Korelasi antara tingkat bunga di pasar dengan return/bagi hasil yang diberikan oleh bank syariah(Rasio observed)
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FAKTOR FINANSIAL -EARNING-(14)
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Besarnya bagi hasil danainvestasi(Rasio observed)
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FAKTOR FINANSIAL -EARNING-(15)
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Penyaluran dana yang diwrite-off dibandingkan dengan biaya operasional(Rasio observed)
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MATRIKS KRITERIA PERINGKAT FAKTOR RENTABILITAS
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FAKTOR FINANSIAL -LIQUIDITY-
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FAKTOR FINANSIAL -LIQUIDITY-(1)
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Besarnya aset jangka pendek dibandingkan dengan kewajiban jangka pendek(Rasio utama)
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FAKTOR FINANSIAL -LIQUIDITY-(2)
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Kemampuan bank syariah dalam memenuhi kebutuhan likuiditas jangka pendek dengan menggunakan aset jangka pendek, kas dan secondary reserve Short Term Mismatch Plus (STMP)(Rasio penunjang)
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FAKTOR FINANSIAL -LIQUIDITY-(3)
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Ketergantungan bank syariah terhadap deposan Inti Rasio Deposan Inti (RDI)(Rasio penunjang)
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FAKTOR FINANSIAL -LIQUIDITY-(4)
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Pertumbuhan dana deposan inti dibandingkan dengan pertumbuhan total dana pihak ketiga Pertumbuhan Rasio Deposan Inti (PRDI)(Rasio penunjang)
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FAKTOR FINANSIAL -LIQUIDITY-(5)
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Kemampuan bank dalam memperoleh dana dari pihak lain apabila terjadi Mismatch Ratio Contingency Plan (RCP)(Rasio observed)
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FAKTOR FINANSIAL -LIQUIDITY-(6)
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Ketergantungan pada dana antar bank Rasio Antar Bank Pasiva (RABP)(Rasio observed)
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MATRIKS KRITERIA PERINGKAT FAKTOR LIKUIDITAS
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FAKTOR FINANSIAL –Sensitivity to Market Risk-
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FAKTOR FINANSIAL –Sensitivity to Market Risk-(6)
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Kecukupan modal yang dibentuk untuk mengcover risiko pasar (fluktuasi nilai tukar)(Rasio utama)
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MATRIKS KRITERIA PERINGKAT FAKTOR SENSITIVITAS TERHADAP RISIKO PASAR
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MATRIKS BOBOT PENILAIAN FAKTOR KEUANGAN
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MATRIKS KRITERIA PERINGKAT FAKTOR KEUANGAN
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FAKTOR MANAGEMENT
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MATRIKS KRITERIA PERINGKAT FAKTOR MANAJEMEN
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MATRIKS KRITERIA PERINGKAT KOMPOSIT BANK UMUM SYARIAH
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