Pengelolaan Manajemen Risiko pada Industri Perbankan

Sari

Abstract
The banking industry is an industry that is laden with risks, especially as it involves the
management of public money and screened in the form of investment. To minimize the
risks faced, bank management should have sufficient expertise and competence, so that a
variety of risks that could potentially arise can be anticipated from the beginning, and look
for a better way of handling it. The types of risks presented by the economists are very
diverse but substantially similar to one another. Broadly speaking, the grouping of risk
conducted by economists are almost the same description and its coverage. The bigger
and modern bank, the more numerous and complex risks that it faces.
Financial risks faced by the banking industry, can be broadly grouped into five (5) major
risk, namely: (1) credit risk, (2) market risk, (3) liquidity risk, (4) operational risks, and (5 )
risk capital. These risks are presented in the financial ratios, indicating that the
performance achieved by management in managing a bank.
Bank Indonesia based on the Basel II classifies eight (8) types of risk are generally
divided into two (2) categories of risk, which can be measured (quantitative), namely credit
risk, market risk, liquidity risk, operational risk and risks are difficult to measure
(qualitative) that legal risk, strategic risk, reputation risk and compliance risk.

Keywords: Risk Management; Basel II; Banking