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Introduction to banking

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Introduction to banking course 1. Origins, functions and roles of money. Origins, functions and roles of bank. Roles of central bank. Added CV and Quiz at the end of course.

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Introduction to banking

  1. 1. INTRODUCTION TO BANKING Course 1 Yudy Yunardy S.E., M.M.
  2. 2. WHO AM I ? Fifteen years of Banking experience, six years’ experience in Trade Finance Operations background with Unsecured Loan experience, equipped with another seven years’ experience in Management Information Analyst and Dashboard Reporting. Vastly experienced in Bank Indonesia reporting (LBU, SID, LBBU, BMPK etc.)
  3. 3. EMPLOYMENT SUMMARY 2014 Present Indonesia Banking School 2013 2014 Deutschebank AG 2011 2012 Misys Plc 2010 2011 DBS Indonesia 2010 2010 ANZ Bank 2005 2010 RBS Bank 2004 2005 Vendor at Bank Mandiri, BCA and Circle K 1999 2004 HSBC Bank 1998 1999 MetLife Insurance 1997 1998 Demographic Institution FEUI 1996 1997 Private Investment Manager
  4. 4. RULES 1.Disable your comm. device 2.Presence 80% minimum 3.Time alloc. 12.35 – 15.05
  5. 5. TEXTBOOK Siamat, Dahlan (2005), Bank dan Lembaga Keuangan
  6. 6. GRADING EVALUATION 1. Quiz / exercise 25% 2. Assignments 15% 3. Midterm 25% 4. Final 35%
  7. 7. MONEY, ORIGINS, FUNCTIONS AND ROLES Section 1
  8. 8. AT THE BEGINNING… Self sufficient
  9. 9. AND WE EVOLVE… Barter
  10. 10. DISADVANTAGES OF BARTER 1.It’s hard to find the person 2.With the same needs 3.Set the agreed value 4.Carry and store goods 5.No common denomination
  11. 11. COMMON DENOMINATION 1.Needed 2.Wanted 3.Accepted 4.Ready to be traded
  12. 12. COMMON DENOMINATION
  13. 13. DISADVANTAGES… 1.Not durable 2.Impractical 3.Inconvenience 4.Volatile
  14. 14. PRECIOUS METAL 1.Durable 2.High stable value 3.Portable 4.Convenience 5.Practical 6.Limited 7.Likable
  15. 15. COINS
  16. 16. DISADVANTAGES OF COINS… 1.Needs big storage 2.Impractical, heavy 3.Difficult for big amount 4.Can’t cope with demand 5.Too limited
  17. 17. NOW COMES…PAPER MONEY!
  18. 18. AND THEN…BILLS!
  19. 19. MONEY, FUNCTION AND ITS ROLE IN ECONOMY Financial systems 1.The most important creation 2.Transfer funds from borrowers to lenders 3.Set interest rate and amount of loanable funds
  20. 20. FUNCTION OF FINANCIAL SYSTEMS 1.Savings 2.Wealth 3.Liquidity 4.Credit 5.Payment 6.Risk 7.Policy
  21. 21. THE ORIGINS OF BANK Section 2
  22. 22. BANCO bangku
  23. 23. BANCA ROTTO bankrupt
  24. 24. 1. EARLY STAGE embryonal
  25. 25. 2. SAVINGS AND LOAN Igibi bank
  26. 26. 3. PAYMENT SYSTEM Money order
  27. 27. 4. GOLDSMITH BANK Cheque
  28. 28. EARLY BANKS IN INDONESIA De javasche bank
  29. 29. EARLY INDONESIAN MONEY De javasche bank
  30. 30. EARLY BANKS IN INDONESIA De Algemenevolks Crediet Bank
  31. 31. EARLY BANKS IN INDONESIA Nederlands Handels Maatschappij
  32. 32. EARLY BANKS IN INDONESIA De Escompto Bank NV
  33. 33. EARLY BANKS IN INDONESIA Bank Nasional indonesia
  34. 34. BANK, FUNCTIONS AND ROLES Section 3
  35. 35. 1.Collector of funds a) Itself b) Third party c) Other financial institutions IN GENERAL
  36. 36. 2. Channeling funds 3. Payment services IN GENERAL
  37. 37. 1. Agent of trust 2. Agent of development 3. Agent of services FUNCTIONS OF BANK
  38. 38. 1. Asset transmutation 2. Transaction 3. Liquidity 4. Efficiency ROLES OF BANK
  39. 39. 1. Monetary stability 2. Financial stability ROLES OF CENTRAL BANK
  40. 40. 1. Interest rate 2. Open market operations MONETARY STABILITY
  41. 41. 1. Supervision and regulations 2. Regulator of payment systems 3. Early detection and avoidance of potential shock 4. Lender of the last resort FINANCIAL STABILITY
  42. 42. TYPES OF BANK IN INDONESIA Underlying theory UU No. 14 th. 1967 UU No. 7 th. 1992 UU No. 10 th. 1998
  43. 43. 1. Bank Umum, adlh bank yg dpt memberikan jasa-jasa dlm lalu lintas pembayaran 2. BPR, adlh bank yg menerima simpanan dlm bentuk deposito berjangka atau yg sejenis UU NO. 7 TH. 1992
  44. 44. Commercial Bank Status 1.Foreign exchange 2.Non-foreign exchange UU NO. 7 TH. 1992
  45. 45. Commercial Bank Office Type 1. Head Office 2. Branch Office 3. Subbranch Office 4. Cash Services Office 5. Representative Office 6. Regional Office UU NO. 7 TH. 1992
  46. 46. Ownership of bank 1. Government 2. Private 3. Local Government 4. Foreign 5. Joint Venture UU NO. 7 TH. 1998
  47. 47. Commercial Bank Pricing 1.Sharia 2.Non Sharia UU NO. 7 TH. 1998
  48. 48. Legal form of Commercial Bank 1. Perseroan Terbatas (PT) 2. Koperasi 3. Perusahaan Daerah UU NO. 10 TH. 1998
  49. 49. WHAT HAVE WE’VE LEARNED SO FAR
  50. 50. QUESTIONS? 1. If there is a collapsing bank, why government fight so hard to save it? 2. Why government needs to change regulations from 1967 to 1992 to 1998, what is the major reason between each change?
  51. 51. THANK YOU See you next week

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