Deposit insurance and financial intermediation: The case of Indonesia Deposit Insurance Corporation

Figures & data

Figure 1. Trend in Assets, Equity, BIC, and Profit and Loss, 2000-2007.

Note: *BIC stands for Bank Indonesia certificates.

Source: Bank Indonesia.

Figure 2. Trend in LDR, NPL, and NIM for Indonesian commercial banks, 2000-2007.

Source: Bank Indonesia.

Figure 3. Demand deposit balances September 2000-March 2007 (Billion Rupiah).

Source: Bank Indonesia.

Figure 4. Total Deposits mobilization by Indonesian commercial banks, 2000- 2007 (Billion Rupiah).

Source: Bank Indonesia.

Figure 5. Trend of Accounts by type for <=Rp.100 million per account, September 2000-March 2007.

Note: *Month DDACCsum stands for sum of deposit accounts; Month SAVACC stands for total number of savings accounts; Month TDACCSUM stands for total number of time deposit accounts.

Source: Bank Indonesia.

Figure 6. The value of Account balances for <=Rp.100 million per account, by type, September 2000-March 2007.

Source: Bank Indonesia.

Figure 7. Trend in account balances and Number of accounts, all types combined, September 2000-March 2007.

Source: Bank Indonesia.

Figure 8. Loans received by banks December 2002- March 2007(Billions Rupiah).

Source: Bank Indonesia.

Figure 9. Funds mobilization by state owned banks, 2000- 2007 (Billion Rupiah).

Source: Bank Indonesia.

Figure 10. Bank deposits, total bank credit, and bank Indonesia certificates, held by commercial banks, March 2000-June 2007 (Trillion Rupiah)*.

Note: *cmbdepositstotal stands for bank deposits; Totalbcr stands for Total Bank credit; BIC stands for bank Indonesia certificates.

Source: Bank Indonesia.

Figure 11. Developments in Bank Indonesia certificates and loans received, by commercial banks, March 2000- June 2007 (Trillion Rupiah).

Source: Bank Indonesia.

Figure 12. Securities issues, Bank loans received and bank deposits, March 2000-June 2007 (Trillion Rupiah).

Source: Bank Indonesia.

Table 1. Multiple regression results of Bank deposits and Bank Indonesia certificates on Bank credit disbursement

Dependent variable: Bank credit
Listwise Deletion of Missing Data
Multiple R .87262
R Square .76147
Adjusted R Square .66605
Standard Error 31310.65686
Analysis of Variance:
DF Sum of Squares Mean Square
Regression 2 15647967921.0 7823983960.5
Residuals 5 4901786164.2 980357232.8
F = 7.98075 Signif F = .0278
------------------ Variables in the Equation ------------------
Variable B SE B Beta T Sig T
Bank deposits .900460 .299371 4.039747 3.008 .0298
BIC -.749319 .304553 -3.269525 -2.460 .0572
(Constant) -359617.76285 131649.4279 -2.732 .0412

Table 2. Robust Tests of Equality of Means

		Statistic(a)	df1	df2	Sig.
Foreign-joint venture banks assets	Brown-Forsythe	136.121	2	13.860	.000
Regional development bank assets	Brown-Forsythe	132.070	2	10.688	.000
Private national bank assets	Brown-Forsythe	105.903	2	12.171	.000
SOE bank assets	Brown-Forsythe	38.760	2	7.666	.000

^aAsymptotically F distributed.

Table 3. Cointegration regression results of source of funds and Bank Indonesia certificates on bank credit disbursement (monthly time series)

Dependent variable: LOG(DISBURSAL_OF_FUNDS)
Method: fully modified least squares (FMOLS)
Date: 4 December 18; time: 12:22
Sample (adjusted): 2001 2016
Included observations: 16 after adjustments
Cointegrating equation deterministics: C
Long-run covariance estimate (Bartlett kernel, Newey–West fixed bandwidth = 3.0000)
Variable	Coefficient	Std. error	t-Statistic	Prob.
LOG(SBI)	−0.059223	0.061423	−0.964183	0.3540
LOG(SOURCE_OF_FUNDS)	1.140059	0.084713	13.45783	0.0000
DUM01	0.250510	0.109438	2.289050	0.0410
C	−1.559321	1.706966	−0.913505	0.3790
R^2	0.991998	Mean dependent var		14.53385
Adjusted R^2	0.989998	S.D. dependent var		0.828776
S.E. of regression	0.082888	Sum squared resid		0.082445
Durbin–Watson stat	1.819727	Long-run variance		0.006769