Banking Profitability, Balance Sheet & Financial Performance Optimization
August 21, 2026
Jadwal Pelatihan Banking Profitability, Balance Sheet & Financial Performance Optimization
| Tanggal | Tempat | Kota | | 09 - 10 September 2026 | - | Bandung |
Training Banking Profitability, Balance Sheet & Financial Performance Optimization
DESKRIPSI Training Banking Profitability, Balance Sheet & Financial Performance Optimization
Industri perbankan menghadapi tuntutan yang semakin tinggi untuk menjaga profitabilitas, mengoptimalkan struktur neraca, meningkatkan kualitas aset, serta memastikan kinerja keuangan tetap sehat dan berkelanjutan. Pengelolaan Balance Sheet, Net Interest Margin (NIM), Cost of Fund, Cost to Income Ratio (CIR), Return on Asset (ROA), Return on Equity (ROE), liquidity, asset quality, dan capital efficiency menjadi faktor penting dalam menentukan kemampuan bank menghasilkan profit sekaligus mengelola risiko.
Pelatihan Banking Profitability, Balance Sheet & Financial Performance Optimization yang dirancang untuk meningkatkan kemampuan peserta dalam menganalisis kinerja keuangan bank secara menyeluruh, mengidentifikasi sumber profit dan financial leakage, serta merumuskan strategi optimalisasi neraca dan profitabilitas. Pelatihan ini menggunakan pendekatan strategis dan aplikatif yang relevan bagi fungsi finance, treasury, risk management, internal audit, business, dan manajemen perbankan.
TUJUAN Training Banking Profitability, Balance Sheet & Financial Performance Optimization
- Memahami konsep dan driver utama profitabilitas perbankan.
- Menganalisis struktur dan dinamika Balance Sheet bank.
- Mengidentifikasi faktor yang memengaruhi NIM dan Net Interest Income.
- Mengoptimalkan struktur aset, liabilitas, dan ekuitas bank.
- Menganalisis Cost of Fund dan Cost of Asset.
- Mengukur dan mengevaluasi ROA, ROE, NIM, CIR, dan indikator kinerja lainnya.
- Mengidentifikasi sumber profit leakage dan cost inefficiency.
- Mengintegrasikan profitability, liquidity, capital, dan risk management.
- Menyusun strategi peningkatan financial performance bank.
- Mengembangkan pendekatan
MATERI
- Banking Profitability Fundamentals
- Bank Balance Sheet Management
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- Struktur Balance Sheet perbankan
- Asset, liability, dan equity management
- Interrelationship antara Balance Sheet dan income statement
- Balance Sheet growth strategy
- Identifikasi balance sheet inefficiency
- Net Interest Income & Net Interest Margin Optimization
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- Konsep Net Interest Income dan NIM
- Faktor pembentuk NIM
- Pricing strategy dan loan yield
- Cost of Fund optimization
- Strategi peningkatan NIM
- Cost of Fund & Funding Optimization
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- Struktur sumber dana bank
- CASA, deposito, dan wholesale funding
- Funding cost analysis
- Deposit pricing strategy
- Strategi optimalisasi funding mix
- Asset Quality & Earning Asset Optimization
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- Analisis earning assets
- Loan portfolio optimization
- Risk-adjusted return
- NPL dan credit cost
- Optimalisasi kualitas dan yield aset produktif
- Banking Operating Cost & Cost Efficiency
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- Cost structure perbankan
- Cost to Income Ratio (CIR)
- Operating efficiency
- Cost optimization strategy
- Identifikasi cost leakage dan operational inefficiency
- ROA, ROE & Financial Performance Analysis
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- Analisis ROA dan ROE
- DuPont analysis untuk perbankan
- Profit margin, asset utilization, dan leverage
- Performance benchmarking
- Analisis tren financial performance
- Liquidity & Balance Sheet Risk Optimization
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- Konsep liquidity management
- Liquidity gap analysis
- Asset-Liability Management (ALM)
- Interest Rate Risk in Banking Book (IRRBB)
- Trade-off antara liquidity, profitability, dan risk
- Capital Efficiency & Capital Allocation
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- Struktur permodalan bank
- Capital adequacy dan capital efficiency
- Risk Weighted Assets (RWA)
- Return on Risk-Adjusted Capital (RORAC)
- Optimalisasi penggunaan modal
- Profitability by Product, Segment & Customer
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- Product profitability analysis
- Customer profitability analysis
- Segment profitability
- Relationship profitability
- Identifikasi high-value dan low-value customer
- Financial Performance Dashboard & Management Reporting
- Strategic Banking Financial Performance Optimization
