The Bank Arranged the Strategy Faced the Financial Crisis

National banking for the time being ignored the work program that was compiled at the beginning of the year. The condition for global and domestic finance that continued to worsen forced banking to carry out the internal consolidation and to compile the strategy so that the potential for the loss could be minimized, General Chairman Association of National Banking (Perbanas) Sigit Pramono, on Thursday (9/10) in Jakarta, explain, in the situation as it is now, banking must exacerbate the analysis of the risk, both was related to the direct appointment and the appointment to valuable letters property of banks in US.

In this case was related the fall the value of the letter was valuable resulting from the action sold large-scale. ”Beside that, the bank must carry out classification of the level of the risk debtor foreign currency that exported his product to the USA or the other country that had the potential to be affected the decline in US economics,” Sigit words. The managing director BNI Gatot M. Suwondo explained, his side at this time increased attention in the problem of the liquidity and the potential for problematic credit (nonperforming loan/NPL).

The fall of companies of the giant’s investment in the USA caused the occurrence of the global liquidity drought. The bank that had the liquidity reluctantly lent to the other side because worried stalled. NPL had the potential to increase together with economic retardation and the number of corporations that suffered the loss.

According to Vice President Director BCA Jahja Setiatmadja, BCA prepared several strategies, in part selective distributed credit, avoided funding of the project, stopped the purchase of the debenture, and was careful gave the loan inter bank, including the foreign bank. The channeling of credit, said Jahja, was given priority for the perpetrators of the experienced business and had the solid guarantee. As for the Mandiri Bank, according to Director of Mandiri Bank Sentot A Sentausa, apart from the focus in the liquidity and considered repeated all the portfolios; his side also compiled the action plan for the worst scenario.

An economist BRI Djoko Retnadi suggested so that banking not the focus assembled the fund through the fixed deposit because of his characteristics susceptible was attracted. ”Bank also must stop long-term credit. It would be better if the focus in capital credit of the work and increased monitoring credit to prevent the occurrence NPL,” Djoko words. To maintain the margin of the profit, Djoko also proposed that banking increased the interest of credit.

The observer of Dradjad Wibowo banking suggested banking for the time being avoided the sector of the plantation, the mining, and property to avoid NPL. Corporation that has been involved in these sectors considering having the potential to run at a loss resulting from the decline in the price of the sharp commodity in recent times, Dradjad estimated, the national banking profit this year will descend compared with 2007. In 2009 the banking prospect it was estimated stayed gloomy following the occurrence of growth retardation of the economic.