OJK : Financial Condition and Indonesian Banking Quite Stable,http://swa.co.id/business-strategy/management/ojk-kondisi-keuangan-dan-perbankan-indonesia-cukup-stabil, 28 August 2014

Indonesia's financial condition is still considered to be good and stable enough by the Financial Services Authority (OJK). Related banking performance, until August 2014 still looks stable. Although relatively tight liquidity conditions, the resilience of the banking liquidity seen from the development of the interbank money market transactions (interbank) still awake well reflected in the interest rates that are still relatively uniform and stable both based BOOKS and Ownership.

Tight Bank Competition : http://www.koran-sindo.com/node/313248, 14 July 2013

Based on the results of a 2013 survey of Indonesian banks from PricewaterhouseCoopers Indonesia, the level of competition among banks in 2013 will be more stringent. Optimism bankers banking related growth could reach double digits this year is not without obstacles.

According to the survey of PricewaterhouseCoopers (PwC) at the end of April, there are three major challenges facing the growth target ready. The third challenge is no different than last year but there is a shift. In 2012, the competition among banks is in the third position in 2013 is in the second position. Regulatory issues remain ranked first and Human Resources (HR) was third. In addition, the issue of credit risk is still considered problematic also be a threat.

Therefore, the bankers are actively follow the development of the existing regulations. Understandably, the regulation is still the center of attention of the bankers in Indonesia, especially related to multiple licensing policy (22%). Followed by other policies such as property rights (18%), small and medium enterprise lending requirements / SMEs (16%), capital adequacy ratio (CAR), equivalent maintained capital assets / CEMA (14%), as well as the requirements for opening branch (13%).

Operational risk, credit, and liquidity risk factor is still the top three since 2011. be the top operational risk than others by 25%. Followed by credit risk (22%) and liquidity risk (20%). The high operational risk due to the lack of qualified human resources and technological systems. Not surprisingly, many bank employees who were not of school banking. As a result, the bank had to pay extra because they have to train them.

The quality of human resources is a challenge that ranks third this year. Competition among banks require the bankers to be prepared to compete with other banks. According to PwC Partner Joseph Wibisana, increasing competition in the bank that there is a "force" the bankers to provide services and facilities to customers (subscribers). That way, customers also benefited from the availability of such facilities. Despite the many challenges of banking in Indonesia, this has not lessened the bankers, especially foreigners, for expansion in Indonesia.

"The banking industry in Indonesia is very challenging but also favorable," said Technical Advisory PwC Benson Cheng to NEWSPAPER SINDOkemarin. The lack of availability of qualified human resources in the banking became one of the obstacles in the expansion of branch network. According to the survey, experienced experts in the credit and is the rarest of information technology for the banking sector.

He added, if the banker wants to expand and invest in infrastructure, human resources, and technology, meaning they see the potential banking market in Indonesia as a big business. In general, the bankers are aware that banks will grow significantly. According to the Economic Observer Yuswohady, in terms of the local players, the biggest challenge of competition coming from foreign banks. Moreover, foreign banks have the power over local banks in terms of capital, human resources, management, and technology.

Since the last five years a wave of local banks by foreign purchases. From the side of local players, if this acquisition goes on, then the local banks that are small will be eliminated so that there is no other choice but to sell. "Banks are the biggest asset of this country if the controlled foreign parties can be dangerous, said Yuswohady to NEWSPAPER SINDO yesterday. Domestic banking profits over the past five years is remarkable. Every closed book, which incidentally shareholders stranger would take the profit.

Therefore, the current account deficit as one of Indonesia is the largest component of profit companies in Indonesia with the ownership of foreigners. The bank's business in Indonesia is being hot because the majority of Indonesian people are middle class. This makes Indonesia as a major market for them, obviously Yuswohady.

Swift foreign domination in local banks also influenced government regulation that is not measurable and systematic. This is because the regulation in Indonesia does not have a clear strategy and prioritize group interests than the national interest, he said.