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"The restructuring of the Indonesian banking sector that were undertaken to restore the economy after being hit by the financial crisis, have caused changes in capital and asset risk taking attitude of the banking sector. Banks shifted their portfolios away from risky assets to safer assets, while maintaining their capital levels, which in turn affected their profits. The main issue is whether this attitude towards risk impacts banks performances in their role as financial intermediaries. By using pattern and panel data analysis, our findings show relationship between macro economic policy and banks1 capital. However, there is inconclusive evidence between other variables."

"Krugman used the Bernanke-Gertler model to explain the Asian Crisis. This model implies that macroeconomic shocks am decrease credit creation by reducing firms' creditworthiness or by eroding hank capital. Foreign banks in Indonesia should he less likely to restrict credit following macaroeconomic shocks than domestic banks because they employed better risk management practices, they were less vulnerable to disintermediation, and their customers were largely hedged. Thus foreign banks were used as the control group. Wt1 found that interest and exchange rate shocks reduced hunk capital and bunk lending more greatly in domestic batiks than in foreign banks. This indicates that the crisis curtailed the loan supply in Indonesia, forcing firms to reduce spending and output."