Most banks in Indonesia Hold Crisis
JAKARTA - Bank Indonesia is believed to be among the most robust in the face of global financial pressures. In fact, European banks and the United States (U.S.) was lost.
It is presented in the recent Deutsche Bank study entitled Global Banks - Credit Quality in a deleveraging World. Research is a comprehensive review of the resilience of the global banking system against financial shocks are great.
In the research mentioned, the banks in Indonesia have good resilience and readiness to face the risk of recession and the shock on the international banking system.
"With the credit level is relatively lower in the Indonesian economy and the high level of bank capitalization, we hope that Indonesia can benefit from good access to bank credit in the next few years," such as disitat of his written statement to Legal, Wednesday (5 / 10 / 2011).
There are nine key criteria used to measure the risk of the banking system a number of countries in this research, including macroeconomic risk, systemic risk, as well as a sharp spike ketananan bank provisioning against bad loans and profit praprovisi (pre-provision profits). Each of these criteria were scored 1-5 with a score of 5 means the most risky.
Overall, Indonesia scored 19 from 45. This means that Indonesian banks stay in the top of banking in developing countries. Meanwhile, Mexico was ranked 17 and Thailand 16.
"In contrast, developing countries ranked below. French scored 24, England 23, and U.S. 22. Meanwhile, Greece and Portugal to score 33, Spain and Ireland 32," the report said.
Rankings of the safest banks in developed countries borne by Germany, Japan, Australia, Sweden, and Israel.
The report believed that Indonesia can withstand the sharp spike in bad loans and a decrease in earnings when compared to banks in the U.S., Britain and France. This is evidenced by the average ratio of non-performing loans (NPLs) amounted to 100 percent and could reach 321 percent in some cases.
"The projected percentage of NPLs of all loans in Indonesia in 2011 was 1.5 percent, far better when compared with Greece (13.5 percent), Ireland (11.4 percent), Brazil (nine percent), and the average developing countries (2.4 percent), "added research.
Deutsche Bank believes the government's fiscal policy which allows the level of credit discipline Indonesia are below 30 percent of the Gross Domestic Product (GDP). This policy also ensures the preservation of the capacity of banks to continue to provide loans and support economic growth.
Most banks in Indonesia Hold Crisis
