Banking Terms Based on the word / phrase from letter D (Part II / IV)

Banking Terms Based on the word / phrase from letter D (Part II / IV) :


Dealing Room (The Dealing Room).

Is a unit of work on the Treasury Department of a bank that serves to adjust the (matching), manage (manage) and control (control) market risk. Before the Bank establish Middle Office, the unit is regulated provision of funds, liquidity and investment to sustain assets and liabilities that are formed from regular banking business. Dealing Room is responsible for implementing management and control of market risk in accordance with the authority given by the bank's risk management committee. Dealing Room is also responsible to meet the needs of business units to set the price (pricing) of market risk to be applied on bank products and services. Dealing Room acts as a representative bank in the activities of international and domestic financial markets and usually take responsibility in the management of market risk in accordance with instructions received from the bank's Risk Management Committee. Risk Taking Dealing Room is a work unit and the implementation of Dealing Room is controlled by the Back Office. After the formation of some of the functions of Middle Office Dealing Room diverted to the Middle Office.

Debit Card.

Is a card that ditebitkan by the Bank which is generally used as the completeness of the use of ATM (Automated Teller Machine / Automated Teller Machine) and POS (point of sales) that can be used in purchasing goods and services electronically. Serves as a replacement debit card cash or checks. The value of transactions performed automatically deducted from checking or savings account balance card holder (card holder). A Debit Card may require entry name or PIN (personal identification number) on a control instrument for the implementation of a transaction.

Debtor.

Is the individual customer or company / entity does
not include bank or foreign bank representative offices, which have one or more facilities for provision of funds.


Debtor Group.

Is some combination of the right of ownership or debtor kepengurusannya controlled or controlled by persons of the same or have a financial relationship of inter-related, with the following explanation:
a. In terms of ownership, two or more firms considered a group if:
- 35% (thirty five percent) or more of the ownership rights of each company held together by one family, or
- One company controls 35% (thirty five percent) or more ownership rights over other companies.
b. In terms of management, two or more companies is considered as a group if one or more executive officers of a company to be executive officers at other companies too.
c. In the event that there is a relationship of ownership or stewardship but do not meet the requirements of a and b above, then the group classifications used in addition to other indications in the form of financial relationship such as:
- A company acting as a guarantor of loans received other business entities.
- One company providing subordinated loans or other types of loans to other companies

Debt to equity ratio.

Is the ratio between the debt of a company with one's own wealth (equity) company. This ratio to measure a company's ability to settle its obligations with his wealth (solvency) and to assess the composition of expenditures between capital from outside companies (loans) with its own capital. Restructuring a company can be done by changing the composition, among others, by reducing financing from the outside by changing the (partial) debt into equity (debt to equity swap) to interest expense to be smaller so within limits that could be borne by the company. Other terminology for the above ratio is "Financial Gearing / Leverage". In Islamic Banking, the term used is "Financing to Deposit Ratio" or FDR.

Default.

Is the failure of the debtor in meeting obligations under the agreement or credit agreement / other commitments which was signed together.
In Basel II, the customers (obligors) are categorized by default if:
1. Not willing to pay in full its obligations (debt principal, interest and other fees)
2. The occurrence of credit losses linked to the inability of customers (obligors) in fulfilling its obligations as propisi particular, the debt restructuring because of delays in payment of principal, interest and fees, or
3. Liabilities customers (obligors) have matured more than 90 days from the agreement
4. Customer (obligor) is declared bankrupt or other protection is done so that the obligation is not accomplished.

Delivery versus Payment (DVP).

Securities transaction settlement is by way of Settlement of Securities through BI-SSSS conducted simultaneously with the settlement funds in Bank Indonesia through the BI-RTGS system.

Deposits.

Deposit withdrawal is only possible at certain times based on the agreement with the bank Depositor.

Deposit (at Bank Syariah).

Investment funds are based Akad Akad mudharabah or else not contrary to the Sharia that withdrawal can only be done at certain times based Akad between Depositor and Bank Syariah and / or UUS.

Mudharabah deposits.

Is a product of society in the form of fund raising deposits by using mudharabah follow DSN-MUI fatwa. Mudharabah is an agreement that is used in the agreement between the investor funds with fund managers to perform certain business activities, with the division of profits between the two parties based on the ratio agreed in advance. In a deposit transaction mudharabah, customers act as the owner of the funds (shahibul maal) and the bank acts as a fund manager (mudharib).

Main Dealer.

This term is related ordinances auction of Government Securities in the Primary Market. Primary dealers are banks and / or securities company which is appointed by the Minister as a Primary Dealer as set forth in Regulation of the Minister of Finance regulating the Primary Dealer System.
Primary Dealer can follow SUN Auction is a Primary Dealer appointed by the Minister to follow Auction SUN and are not subject to sanctions should not follow SUN Auction.
Primary dealers can bid on behalf of himself SUN and / or on behalf of others in accordance with applicable regulations of the Minister of Finance.


Continued Part III