Call Money.
BIS (Bank for International Settlements) Call Money defines as "the which a loan contract is automatically renewed everyday Unless the lender or the borrower That indicates it wishes the funds to be returned within the short period of time"
Call Option.
Is the placement of the right (but not the obligation) to buy something (assets, shares or a particular currency) at a time when that would come within the agreed period at a specified price and amount of time now (the moment of placing the right).
CAMELS (Capital Adequacy, Asset Quality, Management, Earning, Liquidity and Sensitivity to market risk).
Are the factors evaluated in the assessment of the soundness of banks, namely;
1. Capital Adequacy (Capital Adequacy) measured from the assessment of the components:
a) Adequacy, composition, and projected capital and the ability of capital to cover the Bank in troubled assets.
b) Ability to maintain bank needs additional capital from profits, Bank capital plan to support business growth, access to capital sources, and financial performance of the shareholders to increase the capital of the Bank.
2. Quality of Earning Assets (Asset Quality) includes assessment of the following components:
(A) The quality of productive assets, concentration of credit risk exposures, the development of earning assets and the adequacy of PPAP.
(B) Adequacy of policies and procedures, systems review (reviews) internal, system documentation and handling performance earning assets.
3. Management (Management), includes assessment of the following components:
a) Kualitasn general management and implementation of risk management
b) Compliance with the Bank to the applicable provisions and commitments to Bank Indonesia or other parties
4. Profitability (Earning), includes assessment of the following components:
(A) Achievement of return on assets (ROA), return on equity (ROE), net interest margin (NIM) and the level of bank efficiency.
(B) The development of operating income, income diversification, application of accounting principles in the recognition of revenues and expenses and operating profit outlook.
5. Liquidity (Liquidity), includes assessment of the following components
(A) The ratio of assets / liabilities of liquid, the potential maturity mismatch, the condition of the Loan to Deposit Ratio (LDR), cash flow projection, and the concentration of funding.
(B) Adequacy of policy and liquidity management (asset and liability management or ALMA), access to funding sources and funding stability.
6. Sensitivity to market risk (Sensitivity to market risk), includes assessment of the following components:
a) The ability of the Bank's capital to cover potential losses as a result of fluctuations (adverse movement) interest rates and exchange rates
b) Adequacy of risk management markets.
Cancelled Check.
Is a check that has been used and has been paid or have been recorded (debited) by the bank on the account in question. This check is a testament to the withdrawal of money / funds from the account in question and is the bank's archives. On some offshore bank, a copy of canceled check is sent back to the joint account holder with copies of newspaper accounts that berangkutan. In Indonesia it is not uncommon.
Capital Account.
This term is used in the context of macro economy, which is a measure of sales or purchases in the form of direct investment assets / direct investment (like buying a factory), or investment portfolio / portfolio investment (like buying stocks and bonds) in a country from / to foreigners ( other countries). If the state is in deficit on its current account, then inevitably have to look for ways to close the deficit, among other countries to sell assets to foreigners or borrowing from abroad, especially in the form of the state's bond sales to overseas parties. Sale of state assets and bonds to foreign countries in the capital account is managed.
Capital Gain.
Is an increase in the dollar value of a capital asset such as stocks, bonds, land, antiques or other assets that generate profits if the assets are sold.
Capital Loss.
Is the inverse of Capital Gains, which conducted the sale of shares held under the purchase price. For example the purchase price of a share of Rp. 26,000, - per sheet, then in certain circumstances be sold at a price of Rp. 23,000, - per sheet. Losses amounting to Rp. 3.000, - perlembar called Capital Loss.
Capital Lease (Lease purchase of capital goods).
Is the leasing of capital
goods through a financing institution (Leasing Company) where the financial institution to pay the entire price of the leased goods while tenants (which actually is as the 'borrower of the funds') will repay the cost of procurement of capital goods to the financial institution with interest.
What distinguishes Capital Lease with a credit transaction / Loan are:
(1) Capital goods automatically switch the ownership to the lessee (Lesse) after the expiration of the contract. Before the goods are paid off then the status is rent.
(2) price of capital goods in question are generally higher than the price according to market (because it has been calculated interest costs, fees and so on).
(3) Recorded in accounting tenant as an asset that must be counted as depreciation and its contra account is debt (lease payable).
Capping.
Is shorthand for setting the maximum limit of clearing nominal amount or value of a Credit Note / Debit Note can be cleared through the Electronic Clearing, for example:
Capping for the Credit Note is 100 million, and Capping is not restricted to the Memorandum debit.
CAR (Capital Adequacy Ratio).
Is the ratio between the Bank and Capital Risk Weighted Asset (RWA). The calculation of capital adequacy based on the principle that every investment bank funds that contain risks should be provided by a certain percentage amount of capital (risk margin) against the amount of planting, so the risk margin should be calculated on all assets that involve risks are weighted, referred to as the RWA (Asset Risk Weighted). The calculation of capital adequacy is one aspect that mendasardalam implementation of the principle of prudence. Capital serves as a buffer to absorb losses arising from a variety of risks. Therefore, in the calculation of capital adequacy according to international standards, the Bank needs to adjust the capital adequacy of the Bank's risk profile that includes credit risk, market risk, operational risk, and other risks (see Basel II) that are material either measured quantitatively and based on a qualitative assessment. Bank Indonesia to use the term CAR (Capital Adequacy) then BI provides insight into the Capital, what is counted as capital and understanding of the RWA, anything that counts as a percentage of risk weighted assets and assigned risk weight of each asset.
CAR ratio (CAR) is the ratio of capital to risk weighted assets. Consolidated Capital Adequacy Ratio is done by comparing the consolidated capital by risk weighted assets on a consolidated basis.
Card Center.
Is a unit which manages the bank whose duties include Credit Card, Card Issuance, Use Registration, payment services to merchants, to the cardholder billing, handling customer complaints, complete a transaction or bill between publishers with an agent or principal holders of certain card brands. Units of work on a specific bank Card Center under or responsible to the Head of the Rural Task Force or to the Head of Unit Other Bank Services (Not directly under the Board of Directors of the bank). Yet for a Bank Card Centernya already manage a large number, Card Center has an own department under the direct supervision of a member of the board of directors.
Carder.
Were the perpetrators of fraud that utilizes Credit Card Number others to transact over the internet.
Cardex.
Is the storage and preparation of specimen signatures of customers. Usually a small cupboard-shaped, strong, can be locked and may only be opened by certain officers to match the signature client (towing checks, depositors, savers or signature of debtor).
Card Holder.
Customers' credit card holder is issued by a bank or institution issuing the credit card (issuer).
CD (Certificate of Deposit).
Is evidence of short-term placement of funds in banks that could be moved her hand and cashed on the due date stated on the CD. CD issued on the show, meaning that any holder of the CD can be cashed at the issuing bank on the due date. Issued by a system of discount or interest received in advance at the time of placement.
CDO (Cease and Desist Order).
Are measures that can be conducted by Bank Indonesia as the Banking Supervisor (Bank Supervision Authority) against a bank that is classified as 'Bank Supervisory Special', including the examination and supervisory personnel or put in the banks, in order to supervise the bank's operations in general.
CDD simpler.
Is Customer Due Diligent (See → Customer Due Diligent) with a simpler procedure that is applied to prospective customers or transactions the risk of money laundering or terrorism financing are low and meet the following criteria:
a.Tujuan opening an account for payment of salaries. In this case the account is an account owned by the company or individual customer's account that the purpose of account opening is to accommodate the salary provided by the company periodically;
b.Nasabah form of public companies (companies listed on stock exchanges) are subject to the regulations concerning the obligation to disclose its performance so that information about the identity of the Beneficial Owner of the company and customers the company may be accessed by the public;
c.Nasabah a Government Agency; or
d.Transaksi disbursement checks conducted by WIC (Walk in customer) company.
Check.
Is an unconditional order to pay some money.
The requirements that must exist in a check are:
a. The word "Check" to be published in the language on the check she wrote.
b. Name of person who should pay for it (interested).
c. Determination of the place where the check should be done.
d. Date and place a check withdrawal.
e. Signatures of people who issued the check (puller).
Cheques and demand deposit between regions.
This term is used in SKNBI (Bank Indonesia National Clearing System), that checks and demand deposit issued by the office of inter-bank clearing participant and cleared the area outside the Regional Clearing Bank publisher's office.
Cheque / Giro None.
Is a check or giro rejected within the time limit of liability provision of funds by the towing because of insufficient funds. Banks are required to give warning letters (SP.I s / d SP.II) every customer to withdraw a blank check or giro. On withdrawal bilyet check or empty to III, the customer is given Notice of Account Closure.
Banks are required to close the customer's checking account if:
(A) Interest Cheque / Giro empty 3 pieces or more within 6 months.
(B) Interest Cheque / Giro Bilyet a blank sheet with a nominal Rp.1.000.000.000, - (one billion rupiah) or more.
(C) His name is listed in the blacklist are still valid.
Central Registry.
Is a function performed by Bank Indonesia cq parts Settlement Money Market - Directorate of Monetary Management (PTPU - DPM), Jalan MH Thamrin No.2 Jakarta 10110 to record ownership of securities by using BER (Book Entry Registry) for the benefit of the Bank and the Sub Registry.
CEO (Chief Executive Officer).
Is the most important executive positions within the company. But the title of CEO often has a lot of interpretation in its use, since it is often associated as President or CEO of a company and in many organizations the CEO even be described more important than the President Director of the Company because it has a wider duty of the President Director. Often also combined with the Chairman of the board. In addition there is also the CEO who has a dual role, as Chief of the board (formal) and also as Chief of Operational Officer.
Certif (Professional Certification Institute for MFIs).
Is a system of accreditation and certification of professionals
launched by Bank Indonesia in the new training system for microfinance with the help of GTZ. (German Technical Assistance Agency). Certif is an institution that set standards and issue certificates to the Director of BPR. These institutions serve the microfinance industry, but is integrated with commercial banking sector training, developing the key needs of financial system development paradigm.
Certificate of Analysis.
Is a certificate describing the ingredients and proportions of ingredients or contents contained in certain goods which required examination. Certificate of analysis is often asked to buyer as a condition of L / C exports.
Certificate of Fumigation.
Is a certificate or a certificate stating that it has carried out fogging (fumigation) on export goods are concerned. Fumigation certificates are usually requested buyer for the goods of a particular craft such as rattan.
Certificate of Health.
Is a Certificate for export of livestock which states that the goods (livestock) that shipped did not contain the disease.
Reserves.
Is the country's foreign exchange reserves held by Bank Indonesia are listed next to the assets of Bank Indonesia, which include gold, foreign banknotes and other bills in foreign currency to foreign parties that can be used as a means of payment abroad.
Backup purposes.
The definition of reserves is the purpose of profit after tax set aside for specific purposes and has been approved by the general meeting of shareholders or a meeting of members in accordance with applicable laws and regulations.
General reserve.
What is meant by the general reserve is established from the allowance reserve retained earnings or from profits after tax, and approved by the general meeting of shareholders or a meeting of members in accordance with applicable laws and regulations.
Continued to Part II
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