Aset tertimbang menurut risiko

Aset tertimbang menurut risiko (ATMR) merupakan terjemahan dari Risk Weighted Asset (RWA) yang berarti jumlah minimal modal bank yang harus ada sesuai dengan profil risiko aset perbankan[1]. Besaran dan perhitungan ATMR diatur oleh Otoritas Jasa Keuangan (OJK) dalam Surat Edaran OJK Nomor 6 Tahun 2020 berdasarkan risiko dari setiap jenis aset pembiayaan yang diterbitkan oleh bank. Tujuannya adalah untuk mengurangi risiko kemungkinan bank tidak mampu untuk memenuhi kewajibannya pada deposan akibat pemberian kredit yang tidak sesuai Batasan maksimum pemberian kredit (BMPK).

Referensi

  1. ^ "Risk-Weighted Assets: Definition and Place in Basel III". Investopedia (dalam bahasa Inggris). Diakses tanggal 2023-12-03. 

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