LPS: Premi Jaminan Ditentukan Risiko Bank
LPS: Bank Risk Determines Premiums
Reporter : Gatot Priyantono
Editor : Heru S Winarno
Translator : Dhelia Gani
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Jakarta (B2B) - Lembaga Penjamin Simpanan (LPS) akan mengubah sistem premi simpanan flat menjadi sistem premi diferensial yang diterapkan berdasarkan profil risiko bank. Sistem premi diferensial ini akan diajukan ke Dewan Perwakilan Rakyat (DPR pada pertengahan 2013.
Kepala Eksekutif LPS, Mirza Adityaswara mengatakan apabila
sistem premi diferensial diterapkan, rentang antara premi terendah dengan premi tertinggi maksimal 0,5% dari dana pihak ketiga.
"Hal ini sesuai dengan amanat Undang-Undang Nomor 24 Tahun 2004 mengenai Lembaga Penjamin Simpanan. Selama ini premi simpanan perbankan ditetapkan flat sebesar 0,2% dari dana pihak ketiga perbankan," kata Mirza.
LPS dan pemerintah akan berbagi bobot penilaian profil risiko bank. “Sebesar 60%-70% (pembobotan) itu merupakan perhitungan LPS, sedangkan 30%-40% rating perbankan dari regulator, dalam hal ini Otoritas Jasa Keuangan,” jelas Mirza, Kamis.
Perhitungan LPS mencakup berbagai macam rasio seperti modal, likuiditas, pencadangan terhadap kredit macet, dan profitabilitas.
Jakarta (B2B) - Indonesia Deposit Insurance Corporation (LPS) will revise the flat deposits premium system into a differential premium system applied based on the bank's risk profile. The differential premium system will be submitted to the House of Representatives (DPR) in mid-2013.
Executive Head of LPS, Mirza Adityaswara revealed that if the differential premium system is applied, the range between the lowest premium with the highest premium will be 0.5 percent at the most from the third-party funds.
"This is consistent with the Act No. 24/2004 concerning Indonesia Deposit Insurance Corporation. So far, premiums of banks’ savings are flat at 0.2 percent from third party banking," Mirza said.
LPS and the government will share the banks' risk profile assessment weights. "As much as 60-70 percent (weighting) is the calculation of LPS, whereas 30-40 percent of the banking’s rating will be from the regulator, in this case the Financial Services Authority (OJK)," said Mirza.
LPS’ calculation includes a variety of ratios, such as capital, liquidity, provisioning against bad loans, and profitability.
