Banking Business and Its Risk Management

The institution responsible for regulating, supervising, auditing, and investigating all financial activities conducted by banks in Indonesia is called?

• Financial Services Authority (Otoritas Jasa Keuangan)

• Bank Indonesia

• Deposit Insurance Corporation (Lembaga Penjamin Simpanan)

• Financial System Stability Committe (Komite Stabilitas Sistem Keuangan)

The funding product commonly used by individual customers and can be withdrawn at any time is?

• Current ccount

• Saving

• Time deposit

• All answers are correct

The institution involved in financial activities in Indonesia by providing full guarantee for bank deposits up to a certain interest rate and a maximum of Rp 2 million is?

• Financial Services Authority (Otoritas Jasa Keuangan)

• Bank Indonesia

• Deposit Insurance Corporation (Lembaga Penjamin Simpanan)

• Financial System Stability Committe (Komite Stabilitas Sistem Keungan)

The process of identifying and verifying the identity of customers conducted by banks before they become bank customers is called?

• Good Corporate Governance

• Compliance

• Four Eyes Principle

• Know Your Customer (KYC)

The source of income for banks is derived from?

• Rates

• Non-rates

• Sale of fixed assets

• Combination of Rates and Sale of fixed assets

According to the Banking Law in Indonesia, banks are divided into 2 types, namely?

• Commercial Bank and Investation Bank

• Commercial Bank and Rural Bank

• Conventional Bank and Syariah Bank

• No answers are right

The funding product that generally offers high interest rates is?

• Saving

• Current account

• Time deposit

• All answers are right

Bank branch operational staff responsible for achieving the bank's sales targets in terms of funding or lending are known as?

• Sales Officer

• Branch Manager

• Relationship Manager / Account Officer (RM/AO)

• All the answers are correct

One of the non-bank financial industries that competes with banks in their business activities is the following, EXCEPT?

• Fintech

• Life insurance

• General insurance

• Multi-finance

One of the lending products categorized as unsecured for consumer banking segmentation is?

• Credit Card

• Card Without Collateral

• Home Mortgage Loan (KPR)

• Personal Loan