bank GEDE keberatan BEBAN… 171210

Biggest banks are weakest
Dec 16, 2010 19:43 EST
… gw maseh inget, waktu krisfinalo, banyak arus modal asien-K keluar dari Indonesia … mereka cemas JANGAN-JANGAN PERBANKAN INDON AKAN KOLAPS, mengikuti kolaspnya perbankan global … TERNYATA cuma 2 bank kecil yang bermasalah, yang besar2 AMAN WALAU PUN TETAP KEBAT-KEBIT MEMPERTAHANKAN DIRI MASING-MASING dari kemungkinan DI-RUSH NASABAH … para DEPOSAN LOKAL TERNYATA JELI, TAU BAHWA JUSTRU PERBANKAN GLOBAL LEBE GEDE MASALAHNYA … jadi arus keluar SEGERA BERUBAH MENJADI ARUS MODAL MASUK KE INDONESIA lage dah 🙂 … ternyata sampe sekarang maseh tetap perbankan global belum sehat beneran 😦

The author is a Reuters Breakingviews columnist. The opinions expressed are his own.

It’s official: The biggest banks are the weakest. The Basel Committee on Banking Supervision on Thursday published its study of the impact of new global regulations, known as Basel III, on the banking industry. Had the new rules had been in place last year, the 94 largest lenders in the world would have needed 577 billion euros ($762 billion) of extra capital. It’s a reminder of just how far the biggest banks still have to go.

The Basel III rules both narrow the definition of what banks can count as part of their capital cushion and set tougher standards for how they measure their risk-weighted assets. If applied to end-2009 balance sheets, the risk-weighted assets of the biggest lenders would have been 23 percent greater than before.

These two effects make banks’ ratios of capital to risk-weighted assets look much skinnier than before. Based on last year’s figures, the 94 big banks in the Basel committee’s study would have had capital ratios averaging just 5.7 percent by the tightest commonly used definition. That’s above the committee’s absolute floor of 4.5 percent, but below the 7 percent now considered an acceptable minimum.

As for 169 smaller lenders, the study found these institutions had a relatively comfortable average capital ratio of 7.8 percent under the Basel III rules. It’s a reminder of the relative weakness of big banks — precisely those that are now deemed too big to fail.

The Basel group has leniently given banks until 2018 to comply with the new rules. They can boost their capital ratios by retaining profits, which adds to capital, and shrinking their balance sheets. If big banks cut back on pay and dividends, they could get there quicker.

In practice, though, a capital ratio of 7 percent is unlikely to be enough. Banks may have to add more cushion in good times, and regulators want bigger capital cushions at systemically important lenders, meaning large ones. Judged by the latest evidence, big banks are still a long way from safety.

Perbankan Indonesia Lewati Krisis Global
Jumat, 17 Desember 2010 | 08:48 WIB
SHUTTERSTOCK

JAKARTA, KOMPAS.com – Perbankan Indonesia tampaknya berhasil melewati dampak krisis global yang sudah menghancurkan perekonomian negara-negara besar.

Menurut Sukarela Batunanggar Dewan Pengawas Bank I Bank Indonesia, pada akhir Oktober 2010 kinerja sektor keuangan, khususnya perbankan cukup baik. Indikasinya adalah likuiditas dan permodalan industri perbankan. “Namun short term capital inflow berpotensi meningkatkan risiko nilai tukar dan risiko likuiditas pada saat outflow,” katanya (16/12/2010).

Kinerja perbankan per September 2010 memang kelihatan cukup stabil dengan CAR 16,4 persen. “Meningkat sedikit dari bulan Agustus 16,3 persen,” tambahnya.

Sementara itu likuiditas masih terkendali, terlihat dari rasio likuiditas terhadap non-care deposits 16,8 persen. Profitabilitas perbankan juga cukup tinggi dengan ROA sekitar 2,8 persen. “Kualitas kredit juga membaik,” katanya.

Kredit meningkat Rp 229,3 triliun naik 16,0 persen year to date, atau tumbuh Rp 298,1 triliun setara dengan 21,9 persen year on year. Melihat kondisi Dana Pihak Ketiga DPK, juga turut meningkat Rp 179,3 triliun sekitar 9,1 persen year to date atau Rp 313,3 triliun sekitar 17,1 persen year on year. (Nina Dwiantika/Kontan)

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