Bank has important role in developing a country. Bank is liable to manage the circulation of money in the country. To do this liability, bank collects money from society and channel the money back to the society as loan in order to support the real sector and economic growth. One thing should be noticed that bank is a business which is closely related to risk. Risk management is highly important in banking and other financial institutions. The global financial crisis in 2008 emerged due to the weak of banking risk management. People, in this term refers to government, central bank, and bankers, therefore must know well the risks which will potentially cause disastrous impact to bank and understand that the emergence one risk may spark other risks. On the other hand, applying good risk management to the banks and other financial institutions will widely benefit to the stakeholders and the economy of the country.
