The manager of the good financial consultant forum,
Recently, I have just read that there are two bank closed by Central Bank. Formerly, I think that this sector is getting better, but bank liquidation occurred like what happened on last crisis. The point I am going to ask is how is the easy and simple way to see the healthy grade or the safety for saving the fund?
John – USA

Answer:

Indeed, we feel sad there are still bank liquidated, because the customer get the effect of it. But believe in me that am the best choose and I think the government has considered the risk. Indeed, the banks are not healthy and need closing for not giving the loss to the customer. Indeed, the money people saved in bank is guaranteed by government. So when, they are closed down, it will pay the customer money in their banks. But, this policy isn’t forever. Since ideally, it must not run great risk to that problem.
Therefore, the customers have to be careful in choosing the health bank. To start this, there are some points for caring:

1.    The first one is CAR (Capital Adequacy Ratio).  This ratio show how much is the capital of bank compared to the asset. And its asset has already considered the risk. The minimum number considered good by bank is 8 %, the higher the better.

2.    And the second is NPL (Non Performing Loan) or the gradation of jam credit. This number show how many present of trouble credit from all the credit borrowed by the people. Ideally, NPL of bank is not more than 5 %, the smaller the better. Those two numbers can be seen from the bank financial statement issued on mass media periodically. Or you may ask to the customer service of the bank. Actually, there is still one good way to know it, yet it can’t be a certain measurement, but very simple for an ordinary man. That is by comparing the interest rates of deposit, if there is bank offered a very high interest, just be careful, it has a big risk. Furthermore, if the short deposit interest is higher than the long one, it means the bank is not well and need “fresh blood “. One more time, it can’t be a real measurement, but the first assumption shows it. And this way can be seen for syaria bank. It the opposite, the higher the resulted by this bank, the higher the work of bank. This is because the result gotten by the bank is the result in managing the money. Not the interest given in advance and can be a burden if the effort is not maximum