Transcript KLASIFIKASI BANK Rita Tri Yusnita Sumber: BLKL, Edisi 2, Sigit Triandaru & Totok Budisantoso, Salemba Empat Uang, Perbankan dan Ekonomi Moneter, Mandala Manurung &

KLASIFIKASI BANK
Rita Tri Yusnita
Sumber:
BLKL, Edisi 2, Sigit Triandaru & Totok Budisantoso, Salemba Empat
Uang, Perbankan dan Ekonomi Moneter, Mandala Manurung & Prathama Rahardja, FEUI
Bank dan Lembaga Keuangan Bukan Bank, H. Ahmad Rafiki, BBA, MMgt.
Bank dan Lembaga Keuangan, Drs. Supriyanto, MM.
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Klasifikasi Jenis Bank
1. Jenis Bank Menurut Kegiatannya
Tujuan:
◦ Bank Tabungan
◦ Memudahkan dalam
memilih kegiatan perbankan
yang paling sesuai dengan
karakter masing-masing
bank
◦ Bank Pembangunan
◦ Bank Ekspor-Impor
◦ Bank Umum
◦ Bank Perkreditan Rakyat
◦ Menyederhanakan dan
memudahkan dalam urusan
mendapatkan izin operasi
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2. Jenis Bank Menurut Target Pasar
1. Corporate Bank – pelayanan berskala besar
2. Retail Bank – pelayanan berskala kecil
3. Retail Corporate Bank – pelayanan berskala besar dan kecil
Tujuan
◦ Memberi pelayanan efisien
◦ Fokus pada kelompok nasabah (karakter) tertentu
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3. Jenis Bank Menurut Kepemilikannya
(penguasaan saham & akta pendirian Bank)
◦ Bank milik pemerintah; BNI, BRI, BTN
◦ Bank milik pemerintah daerah; Bank Sumut, Bank DKI, BJB
◦ Bank milik koperasi; Bank Umum Koperasi Indonesia (Bukopin)
◦ Bank miilik swasta nasional; BCA, BII, Bank Mu’amalat
◦ Bank milik asing; Citi Bank, Standard Chartered
◦ Bank milik campuran; Mitsubishi Buana Bank, Bank Sakura Swadarma
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4. Jenis Bank Menurut Status atau Kedudukan
(ukuran kemampuan dr segi jumlah produk,
modal, & kualitas)
◦ Bank Devisa
◦ Bank Non-Devisa
5. Jenis Bank Menurut Kepemilikannya
◦ Bank – prinsip konventional; menggunakan sistem bunga dan free
based.
- Dominan di Indonesia.
◦ Bank – prinsip syariah; berdasarkan etika & prinsip-prinsip Islam hingga
bebas dari;
a. unsur Riba (bunga)
b. bebas dari unsur spekulatif non-produktif seperti perjudian
(maysir)
c. bebas dari kegiatan yang meragukan (gharar)
d. bebas dari perkara yang tidah sah (bathil)
e. hanya membiayai usaha-usaha yang halal
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Types of Investment banks
◦ Investment banks "underwrite" (guarantee the sale of) stock and bond issues,
trade for their own accounts, make markets, and advise corporations on capital
markets activities such as mergers and acquisitions.
◦ Merchant banks were traditionally banks which engaged in trade finance. The
modern definition, however, refers to banks which provide capital to firms in the
form of shares rather than loans. Unlike venture capital firms, they tend not to
invest in new companies.
Both combined
◦ A universal bank is a bank that participate in all kinds of banking activities. It is a
bank that is both a Commercial bank and an Investment bank.
For example, First Bank (a very large bank) is involved in commercial and retail
lending, and its subsidiaries in tax-havens offer offshore banking services to
customers in other countries. Other large financial institutions are similarly
diversified and engage in multiple activities.
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TERIMA KASIH