{"id":404301,"date":"2019-01-28T18:10:26","date_gmt":"2019-01-28T11:10:26","guid":{"rendered":"http:\/\/vibiznews.com\/?p=404301"},"modified":"2019-01-28T18:10:26","modified_gmt":"2019-01-28T11:10:26","slug":"dampak-berlakunya-psak-71-bagi-perbankan","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2019\/01\/28\/dampak-berlakunya-psak-71-bagi-perbankan\/","title":{"rendered":"Dampak Berlakunya PSAK 71 Bagi Perbankan"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) &#8211; Pedoman Standar Akuntansi Keuangan (PSAK) 71 yang mulai berlaku awal 2020 membuat perbankan harus mempersiapkan diri karena\u00a0aturan tersebut akan menggerus sedikit permodalan bank.<\/p>\n<p style=\"text-align: justify;\">Ketentuan tersebut pun merupakan adopsi dari standar akuntansi internasional IFRS 9 Financial Instrumen. Ketentuan ini memang mensyaratkan bank untuk mengalokasikan pencadangan lebih besar agar bisa lebih siap dalam menghadapi krisis (<em>forward looking<\/em>). Konsep pencadangan kerugian penurunan nilai (CKPN) di PSAK 71 pun sama persis, yaitu menggunakan konsep\u00a0<em>expected loss<\/em>. Akibatnya, bank harus menyisihkan sebagian modalnya untuk memupuk pencadangan lebih.<\/p>\n<p style=\"text-align: justify;\">Sejumlah bank besar dan papan atas tentunya telah mengantisipasi dampaknya terhadap rasio kecukupan modal (CAR) sebagai berikut:<\/p>\n<ol style=\"text-align: justify;\">\n<li>PT Bank Central Asia Tbk (BCA) baru akan mulai pararel menerapkan aturan ini dengan sistem lama yaitu PSAK 55 di bulan September 2019 mendatang, karena BCA tidak memiliki permasalahan dari segi permodalan masih aman mengingat CAR BCA saat ini masih tinggi yaitu 23%, sehingga dampak PSAK 71 tidak material paling hanya 10 bps (basis poin) terhadap CAR, demikian penjelasan dari Direktur Utama Jahja Setiaatmadja.<\/li>\n<li>PT Bank Mandiri Tbk menurut Sekretaris Perusahaan Rohan Hafas menyatakan pihaknya sudah menyelesaikan sejumlah persiapan untuk mengadopsi ketentuan PSAK 71 tersebut. Salah satunya seperti proses\u00a0<em>advisory<\/em>serta pengadaan dan pengembangan sistem pendukung. Tentunya ekuitas bank akan disesuaikan berdasarkan pencadangan menggunakan PSAK 71.<\/li>\n<li>Sementara itu, Direktur Keuangan PT Bank Negara Indonesia Tbk (BNI) Anggoro Eko Cahyo juga memastikan kalau aturan baru ini akan berdampak pada rasio permodalan BNI tahun depan, di mana posisi CAR BNI akan menyusut sekitar 20 bps hingga 40 bps akibat penerapan PSAK 71, sehingga CAR BNI akan berada pada kisaran 17%-19% tahun ini. Untuk itu, BNI telah mengantisipasi dengan membentuk rasio pencadangan menjadi 152,9% atau lebih tinggi dari tahun lalu sebesar 148%.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting Group<\/em><\/p>\n<p><em>Editor : Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) &#8211; Pedoman Standar Akuntansi Keuangan (PSAK) 71 yang mulai berlaku awal 2020 membuat perbankan harus mempersiapkan diri karena\u00a0aturan tersebut akan menggerus sedikit permodalan bank. Ketentuan tersebut pun merupakan adopsi dari standar akuntansi internasional IFRS 9 Financial Instrumen. Ketentuan ini memang mensyaratkan bank untuk mengalokasikan pencadangan lebih besar agar bisa lebih [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":312849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353],"tags":[8859],"class_list":["post-404301","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-dampak-psak-71-bagi-perbankan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dampak Berlakunya PSAK 71 Bagi Perbankan - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2019\/01\/28\/dampak-berlakunya-psak-71-bagi-perbankan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dampak Berlakunya PSAK 71 Bagi Perbankan - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking &amp; Insurance) &#8211; Pedoman Standar Akuntansi Keuangan (PSAK) 71 yang mulai berlaku awal 2020 membuat perbankan harus mempersiapkan diri karena\u00a0aturan tersebut akan menggerus sedikit permodalan bank. 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