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INDONESIA'S BANKING CRISIS:WHAT HAPPENED AND WHAT DID

WE LEARN?

Presented by:Group III

Members:Gebrie Dwi Irhamna ( 0910514020)

Fanny Oktivia Denovis ( 0910514021)

Fitrah ayati ( 0910514024)

!"#$%&"& ' ro* Dr* +,ari-a.



INTRODUCTION

The economic crisis h! en"#$%e& In&onesi! in $!e(()*+ro#"h o !n en& ,- .e!rs o% #ninerr#/e&economic "ro0h1

The +!n2in" crisis*0hich in /!r 0!s &ri3en +. !n& in /!r&ro3e +ro!&er economic !n& /o$iic!$ &e3e$o/mens1

The /o$iic!$ r!ns!cion seeme& o h!3e +een com/$ee&0ih he in!#"#r!ion o% he n0e "o3ernmen #n&erPresi&en A+&#rr!hm!n W!hi&1



THE BANKING SECTOR: (445(((

There !re se3en /h!ses c!n +e in&eni%ie& o&e3e$om/en in he In&onesi! +!n2in" s.sem:

6 Ph!se I* (44 o A#"#s (()

Unbalanced Liberalisation

In Oco+er (44 ! com/rehensi3e /!c2 !"e o%&ere"#$!ion me!s#res 0!s inro&#ce& %or heIn&onesi!n +!n2in" s.sem1




Ph!se II* Oco+er5No3em+er (()Contained Banking Difficulties

A%er he #n/e""in" o% he Th!i +!h on 7 8#$. (()* her#/i!h c!me #n&er se3ere &o0n0!r&1

Ph!se III* Decem+er (()

Losing Control

A n#m+er o% &e3e$o/mens conri+#e& o he #rn!ro#n&*inc$#&in" ! %#rher r!/i& &eerior!ion o% he %in!nci!$m!r2e si#!ion in Kore!1




Ph!se I9* 8!n#!r.5e+r#!r. ((4Laying the Ground for Stabilisation

In 8!n#!r. ((4*he r#/i!h 0en hro#"h !n e/iso&e o%&is!sro#s &e/reci!ion; &#rin" h! monh* he r!e %e$$

%rom R/ <1=-- o R/ <1-->*0ih some r!&e e3en ! R/)1--->1

Ph!se 9* @!rch5@!. ((4

First Initiatives and New Shock

The ens#in" hree mohs* he !#horiies !2e ! series o%inii!i3es o reso$3e he /ro+$em o% !i$in" +!n2* on$. o%!ce ! m!or ne0 soc21




6 Ph!se 9I* 8#ne5Se/em+er ((4

Design of a Co!rehensive Strategy

In 8#ne*he %irs res#$ o% he re3ie0s* %or si L!r"e

/ri3!e IBRA5conro$$e& +!n2s*conc$#&e& h! he. h!&c!!sro/hic $osses hi&&en in heir $o!n /or5%o$ios : )o% he o!$ !sses on !3!r!"e 0ere o +e &ec$!re& inhe$ossF c!e"or.



SELECTED 9IEWSON THE BANKING CRISIS

Challenges of Large"Scale Intervention

The /ro"r!m he In&onesi!n !o#horiies /# in /$!ce inhe monhs %o$$o0in" he onse o% he crisis in $!e(()0!s !ime& ! resorin" he 3i!+i$i. o% he %in!nci!$secor

#oral $a%ard

/ora. a-ar c!n !rise in ! n#m+er o% %orms 0hen !+$!n2e "#!r!nee is /# in /$!ce




The mor!$ h!!r& seems !$so o h!3e een&e& o he&e/osiors*!s 0e!2 +!n2s so#"h o reco3er $os&e/osis +. o%%erin" #neeonomic!$$. hi"h ineres r!es1

Costs and Governent

&es!onsibility

The "o3ernmen reco"nise& h! +!n2resr#c#rin"*/!ric#$!r$. 0hen ! +$!n2e #!r!nee is in

/$!ce*is ! "o3ernmen res/onsi+i$i.1 Cos h!3e hreem!in e$emens: com/ens!ion o BI %or he $i#i&i.s#//or een&e& o he +!n2s* com/ens!ion o hose+!n2s !2in" o3er he $i!+i$iies !n& rec!/i!$is!ion o%

hose +!n2s h! !re #n&erc!/i!$ise& !n& s!. o/en1




Lender of Last &esort Facility

In he /erio& !%er he No3em+er (() c$osin"s o% =sm!$$ +!n2s* he !#horiies h!& ! c$e!r /re%erence no oc$ose !n. more +!n2s* "i3en e3i&ence o% he incre!sin"%r!"i$i. o% con%i&ence in he +!n2in" s.sem1

or he e!r$. /!r o% he /erio& here m!. h!3e +eeno//#r#niies %or ro#n& ri//in"F +. +!n2s1!s he r!es %orhe $en&er o% $e!s o% $!s resor LOLRJ %!ci$iies

rem!ine& sic2. !n& +e$o0 he r!es h! +!n2s mi"h +e!+$e o e!rn %rom in3esin" he %#n&s1




Blanket Guarantee The iss#e o% 0heher he +$!n2e #!r!nee sho#$& h!3e

+een inro&#ce& e!r$ier s#ch !s ! ime o% he Oco+er

(() +!n2 c$os#res is one o% he mos conenio#sre"!r&in" he h!n&$in" o% he +!n2in" crisis1

The +!$n2e #!r!nee !nno#nce& on 7) 8!n#!r. ((4%o$$o0e& c$ose$. he /ro3isions o% h! /rom#$"!e& in

Th!i$!n&1 A$$ &e/osiors !n& cre!&iors 0ere o +eco3ere& %or +oh &omesic !n& %orei"n c#rrenc. c$!ims*!$ho#"h he $!er oo 0o#$& +e /!i& in &omesicc#rrenc.1



CONCLUDING RE@ARKS

Genera. ssessment as o "n 1999

B. he en& o% (((* mos o% he criic!$ e$emens h!co#$& /roec he core +!n2in" s.sem !n& %!ci$i!e here3i3!$ o% inerme&i!ion 0ere in /$!ce

+ome #ore !essons

The %irs $esson %rom he crisis is ho0 #ic2$. m!ers c!n

"e o# o% h!n&* !n& !n !//!ren$. 0e$$ m!n!"e& !n&sron"$. /er%ormin" econom. +e /$#n"e& ino &ee/ crisis1



CONCLUDING RE@ARKS

Governance Issues

Go3ern!nce iss#es h!3e +een ! he he!r o% he+!n2in" crisis in In&onesi!1 A he onse o% he crisis* he+!n2in" secor 0!s 0e!2 +ec!#se o% &irece& $en&in"*+re!ches o% $e"!$ $en&in" $imis* !n& in!&e#!ec!/i!$is!ion



SU@@AR

The economic crisis in in&onesi! (() !n en& ,- .e!rshe economic "ro0h1 Economic !n& /o$iic!$&e3e$o/mens #ni$ ((( o 2e. e$emen o% he /o$iic!$r!ns!cion o% ne0 "o3ernmne1

Se3en /h!ses c!n +e in&eni%ie& &e3e$o/men in heIn&onesi!n +!n2in" s.sem %rom he +o$& +##n+!$!nce& %in!nci!$ secor $i+er!$is!ion in he $!e(4-s o he crisis o% ((() h! /ro3e& necess!r. o

+rin" s!+i$i. +!c2 o he +!n2in" secor1

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