Capital Buffer & D-SIB Surcharge

Komponen Kebutuhan Modal Bank (persen ATMR)

Tier 1 + Tier 2 = total CAR. Di atasnya: capital conservation buffer (2.5%), countercyclical buffer (variabel), dan surcharge D-SIB untuk bank sistemik. Geser CAR aktual untuk lihat buffer pelindung menipis.

CAR aktual bank (%)21%

Surcharge D-SIB (%)1.0%

Countercyclical buffer (%)0%

Tier 1 share dari CAR (%)85%

Stack modal vs kebutuhan regulator

Glosarium: CAR = Capital Adequacy Ratio (modal ÷ ATMR). Tier 1 = modal inti (saham + laba ditahan). Tier 2 = supplemental (sub-debt, appraisal). Capital conservation buffer 2.5% = bantalan stress normal. Countercyclical buffer (CCyB) = aktif saat kredit tumbuh terlalu cepat. D-SIB (Domestic Systemically Important Bank) surcharge = bank terlalu besar untuk gagal (BCA, BRI, Mandiri, BNI: 1-3.5%). MDA = Maximum Distributable Amount, batas dividen saat buffer tergerus.