Bank, Banking System

and Services
English for Banking and Finance
 group member

Eflin Indarwati Nurmadina

200512501013 200512501046
History
Bank activies was recognizes in the 11 th
century Europen era. and develeop to
West Asia by traders.
italian "Banca"
a table used by money exchange services
history of banking: money
exchange=>place to deposit money=>give
loans
 WHAT IS BANK/BANKING ?

-A bank is a form of business entities

-Banking is defined as the business activity of receiving and
securing money held by individuals and other entities.
 HOW BANK earn profit?
Deposit lends the money

BANK BORROWERS
SAVERS

Repay+pay the bank loan interest

 Banking system in indonesia
fUNCTION
Central Bank
The central bank is the agency responsible for a country's monetary policy. function, rupiah
currency, maintain price stability, maintain a smooth non-cash payment system, avoid nflation.
Bank Indonesia
Commercial Banks
banks that carry out business activities based conventional
and Syariah principles . Ex: BRI,BNI,Danamom

Bank Perkreditan Rakyat (BPR)

BPR is a bank that only accepts deposits in the form of time deposits, saving.
village Banks, , Employee Banks, Market Banks etc.
owners
Government
This type of bank has two types, namely those
that are state and regional government-state
goverment BNI, BRI BTN. local government: BPD
South Sulawesi.
Cooperative-owned banks.
owned by companies that are incorporated as
cooperatives.
For example, Bank umum koperasi Indonesia
Private Bank
held by institution that have Indonesian
citizenship. Example: Bank Central Asia
(BCA), Bank Danamon, Bank Muamalat,
etc.
Foreign banks
branches of foreign banks. Example:
Standard Chartered Bank, Bank of Tokyo, etc.
status
Devisa
transactions abroad and other activities
related to foreign currencies. exampele BRI,
Bank Mandiri, (BNI), BCA, Bank Mega, etc
operational system
Conventional Banks
The operational system uses interest
rates and general agreements based on
rules issued by the central bank. Example:
BRI, BNI, BTN, BCA.
Non-Devisa
cannot conduct transactions with foreign
currencies because they do not have a license
from Bank Indonesia.
Syariah Bank
The profit given to customers depends on the profit
received by the bank. Example: Bukopin Syariah Bank.
BCA Syariah.
banking services
Banking Services are retail or commercial deposit or
lending business, asset management and all other services
which are customarily provided by banks or which are
otherwise provided by the Company or its affiliates.
Basic bank services
Checking Accounts

Savings Accounts

Loan Services

Brick-and-Mortar and Online Banks

That's all from our
presentation
it's time for QnA!
thank you
References:
https://id.wikipedia.org/wiki/Bank

https://www.investopedia.com/terms/b
/bank.asp#toc-understanding-banks