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Liputan6.com, Jakarta Silicon Valley Bank (SVB) mengalami keruntuhan pada Jumat, 10 Maret 2023 akibat krisis modal. Menanggapi hal tersebut, PT Bank Central Asia Tbk (BBCA) melihat ada kesalahan yang mengakibatkan SVB bangkrut.
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Presiden Direktur BCA Jahja Setiaatmadja menyebutkan, terdapat tiga kesalahan yang membuat SVB mengalami kebangkrutan, salah satunya hanya menerima nasabah besar.Â
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"Pertama mereka menerima hanya nasabah besar, artinya kalau nasabah besar ini keluar mereka harus menyediakan dana yang besar mereka harus menyediakan dana yang besar," kata Jahja di The Tribrata Darmawangsa Jakarta, ditulis Kamis (16/3/2023).Â
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Kedua, kesalahan Sillicon Valley Bank adalah menerima dana maupun simpanan dari startup maupun fintech. Jahja menilai startup dan fintech secara perusahaan belum stabil.Â
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"Kalau Anda terima cash flow dari usaha yang ada ketidakstabilan itu salah satu kesalahan SVB," kata dia.
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Ketiga, Jahja bilang, kesalahan SVB terlalu percaya kepada obligasi terpercaya (trusted bond), yakni US Treasury. Lantaran, dari risiko kredit memiliki risiko nol.
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"Mereka terlalu percaya yang disebut trusted bond yaitu US Treasury, gak salah dari segi kredit risk itu zero. Tetapi yang mereka lupa mereka terima funding beaar dari wholesale. Wholeseale itu kalau taro duit enggak mungkin ngarep bunga kecil," ujar dia.Â
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Jahja menjelaskan, celakanya pada saat suku bunga bank sentral AS atau the Fed naik, maka akan berdampak bagi treasury bills SVB. "Bond ini rumusannya kalau interest naik, harga bond turun," imbuhnya.
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