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BA N K. Definition of Bank. Bank is a company that collect s society fund or deposit and distribute s to society using bank loan and or other form in order to increase people life style. Function of Bank 1. Bank as an organi z ation to raise fund:

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BA N K

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  1. BANK

  2. Definition of Bank Bankis a company that collects society fund or deposit and distributes to society using bank loan and or other form in order to increase people life style

  3. Function of Bank 1. Bank as anorganizationto raise fund: - Bankreceive money and other fund from society - In other words,bank raises money from the third party - Kinds of funds : Savings Timed deposit, or demand deposit (demand deposit).

  4. 2. Bank as a lender Bank loans thefund to society, both for developmental effort or consumption.

  5. 3. Bank as a service provider - Covering service in paying mechanism (fund transfers) - Facilitating foreign trading finance - Storing high-value goods - and trust services (for example: bank functions as a fund governance orcorporate related withpublication and redemption of stock and obligation)

  6. BankAgglomeration

  7. “Public Bank” - The bank which can give service in paying traffic -In term fund raising, particularly recieves deposit in the form of demand deposit, time deposit, certificate ofdeposit, savings and or other forms - Types of bank organization: privatecompanies; corporations;governmentcorporations

  8. “Bank Perkreditan Rakyat (BPR) “ - Bank that recieves deposit such as timed deposit, savingand the other similar forms -Distributes fund to society in credit form -BPR is not allowed for traffic paying (clearing activity) -Types of bank organization: private company; government corporation; a cooperation society

  9. Bank Source of Fund

  10. Equity Fund that is paid by stockholders Retained earning

  11. Society Funding Society deposit as: savings, deposit or demand deposit Margin deposit, means : income of service that served bybankto society for example: opening Letter of Credit(L/C), leasing safe deposit box , etc.

  12. Fund of other Financial Institution Fund that is loaned by other financial institution from the bank such as: • Short-range loan (come from money market) • Long-term borrowing (come from off-shore loan)

  13. Instilling the Bank Fund • Fund that is operated to be used by society, or • By bank itself as an investment(earning assets or non earning assets)

  14. Earning Assets • Unsecuredservice (loan or credit) • Buyingmarketable securities Non Earning Assets • Buyingconstant asset and inventories • Laid up minimum liquidity (primary reserve)

  15. Bank Supporter Institute 1. Clearing's promoter institutesmoothening paying giral traffic (lalulintasgiral) 2. Interbank Call Money Marketemphasized on accomplishing the need of bank fund 3. Insurance Institutegiving insurance on loan surety 4. Leasing Institutethis institutions prepare capital assets

  16. Banking Operational Basis A. Cash and cash vault (Khazanah) definition : • Cash is cartal money (bank note and also coin) saved in bank cash vault Cash vault is a special room to save cash money, foreign currency , securities, etc.

  17. 2. Cash Current - receipts money money on bank cash, crescent, come from : * saving cash at teller counter * cash withdrawing from Bank Indonesia * cash depositing from other branches.

  18. -Reducing of cash balance, dwindling because of : * Cash withdrawing from tellercounter * Cash depositing to Bank Indonesia * Other branch office withdrawing cash

  19. Cash Secure for example using: - cash vault secure (khazanah), as: * combination key * two exclusive keysowned by twoofficials during man hour

  20. * door shall be closed * free of inflammable goods * people may not left alone at thisroom * provided with firing extinguishing equipment * alarm and emergency-lighting

  21. - Cover Note Cash in safe Assurance of loss from saved money loss in cash vault, ATM machine, and moneyexists at counter during operational and also non-operational hours

  22. Cash in Transit lose money because robbery or another depravity, during trip (from/to BI, from/to branch interoffice,from/to ATM machine)

  23. - Other secure efforts Route and time of trip (from/to BI, from/to branch interoffice, from/to ATM machine) shall vary , at police guard, etc

  24. B. Exchange Rate • Definition price a currency to another currency

  25. 2. Exchange Rate Type a. Transaction exchange rate used upon customer, buying/ selling foreign exchange (exchange rate TT, exchange rate B/N, exchange rate TC)

  26. b. Taxes Rate utilized to count rupiah pointof taxes taken up by valastransactions

  27. c. Selling/buying rateforeign exchange branch used to buy/sell valas among branch office with Central Office, transferred by Central Officeto branch everyday coincide with transactions exchange rate

  28. C. Clearing 1. Background : - each bank has clients - one bank’s clients doesransactionswith the other bank client. - transactions among client were not donein cash, for example by use of cheque, bilyet is demanddeposit, transfer, documentary bill

  29. 2. Clearing Mechanism

  30. 3. Clearing Participationdifferentiatedas two, which are: - direct participant branch office enrolls at clearing institute,usually main branch office - indirect participant branch office follows direct participant(usually assistantsbranch office)

  31. 4. ClearingInstitute usually Bank Indonesia at that city; if no isn’t possible, Bank Indonesia commands a government bank as clearing institute

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