When a retrospective assessment is

When a retrospective assessment is made towards the credit risk pertaining to the banking sector in
Northern Cyprus, it is understood that the credit risk had a considerable unfavorable contribution
to the Turkish origin banking crisis taken place during the period of 1999-2000. Fundamental
credit risk indicators support this conclusive evaluation. Such that; during the said period the credit
risk ratios such as: total credits/total deposits, total credits/total equity and foreign currency deposits/total
credits, appeared to have excessive increases. Following the crisis the credit risk showed
noticeable decline due to the structural and administrative measures as evidenced by the ratios of
“non-performing loans/total loans” and “provision for loan losses/non-performing loans” shown in
Figure 6. Just after the crisis (2001) the ratio of “non-performing loans/total loans” appeared to be
20.90% while for the year of 2005 this ratio favorably dropped to the minimum level of 7.76%.
Banks and Bank Systems / Volume 2, Issue 1, 2007 29
Despite this, “provision for loan losses” compared to “non-performing loans” displayed the same
favorable trend.

Hasil (Bahasa Indonesia) 2:

Ketika penilaian retrospektif dibuat terhadap risiko kredit yang berkaitan dengan sektor perbankan di
Siprus Utara, dapat dipahami bahwa risiko kredit memiliki kontribusi yang cukup besar tidak menguntungkan
untuk krisis perbankan asal Turki terjadi selama periode 1999-2000. Fundamental
indikator risiko kredit mendukung evaluasi konklusif ini. Seperti yang; selama periode mengatakan kredit
rasio risiko seperti: Jumlah kredit / total simpanan, total kredit yang / total ekuitas dan mata uang asing deposito / total
kredit, ternyata memiliki kenaikan yang berlebihan. Setelah krisis risiko kredit menunjukkan
penurunan nyata karena tindakan struktural dan administratif sebagaimana dibuktikan dengan rasio
"kredit bermasalah / total kredit" dan "penyisihan kerugian pinjaman / kredit bermasalah" yang ditunjukkan pada
Gambar 6. Hanya setelah krisis (2001) rasio "non-performing loan / total kredit" tampaknya
20,90% sedangkan untuk tahun 2005 rasio ini menguntungkan turun ke tingkat minimum 7.76%.
Bank dan Bank Sistem / Volume 2, Edisi 1 2007 29
Meskipun demikian, "penyisihan kerugian pinjaman" dibandingkan dengan "kredit macet" ditampilkan sama
tren menguntungkan.