"A Summary" – Apr 2, 2011 (Kryon channelled by Lee Carroll) (Subjects: Religion, Shift of Human Consciousness, 2012, Intelligent/Benevolent Design, EU, South America, 5 Currencies, Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Middle East, Internet, Israel, Dictators, Palestine, US, Japan (Quake/Tsunami Disasters , People, Society ...), Nuclear Power Revealed, Hydro Power, Geothermal Power, Moon, Financial Institutes (Recession, Realign integrity values ..) , China, North Korea, Global Unity,..... etc.) -

“ … Here is another one. A change in what Human nature will allow for government. "Careful, Kryon, don't talk about politics. You'll get in trouble." I won't get in trouble. I'm going to tell you to watch for leadership that cares about you. "You mean politics is going to change?" It already has. It's beginning. Watch for it. You're going to see a total phase-out of old energy dictatorships eventually. The potential is that you're going to see that before 2013.

They're going to fall over, you know, because the energy of the population will not sustain an old energy leader ..."
"Update on Current Events" – Jul 23, 2011 (Kryon channelled by Lee Carroll) - (Subjects: The Humanization of God, Gaia, Shift of Human Consciousness, 2012, Benevolent Design, Financial Institutes (Recession, System to Change ...), Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Nuclear Power Revealed, Geothermal Power, Hydro Power, Drinking Water from Seawater, No need for Oil as Much, Middle East in Peace, Persia/Iran Uprising, Muhammad, Israel, DNA, Two Dictators to fall soon, Africa, China, (Old) Souls, Species to go, Whales to Humans, Global Unity,..... etc.)
(Subjects: Who/What is Kryon ?, Egypt Uprising, Iran/Persia Uprising, Peace in Middle East without Israel actively involved, Muhammad, "Conceptual" Youth Revolution, "Conceptual" Managed Business, Internet, Social Media, News Media, Google, Bankers, Global Unity,..... etc.)

The headquarters of the Corruption Eradication Commission (KPK) in 
Jakarta. (BeritaSatu Photo)
"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy, Recalibration Lectures, God / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) - (Text version)

… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …

Wednesday, March 25, 2009

Living with new realities in banking sector

Eddy Tamboto, Contributor The Jakarta Post, Jakarta | Wed, 03/25/2009 1:56 PM

The Boston Consulting Group (BCG) conducts an annual study to analyze the value creation performance of top banks globally.

This past year has been a very tumultuous year for the global economy and especially the banking sector. The word "unprecedented" has now become a very common description of the current crisis. BCG's Creating Value in Banking 2009 report is aptly named Living with New Realities.

The impact of the crisis on Indonesian banks has fortunately been very different from how it has impacted major global banks.

That said, it is worthwhile for Indonesian bankers to step back and reflect on the global upheaval, before getting down to the task of thinking through what should be done at home.

Globally, the losses suffered by the banking industry are astounding. Since the pre-crisis peak, the market capitalization of the global banking industry has fallen by US$5.5 trillion.

This is equivalent to the about 10 percent of the global GDP. But losses are only half the story. The financial crisis has done more than destroy value and topple banks.

It has redefined what financial institutions must do to compete and win. For banks, this crisis will prove to be as transformative as it is destructive.

Banks are living with new realities that will redefine what they must do to compete and win. As a result, we expect the much-maligned universal banking model will re-establish its primacy.

The fundamentals of this model are sound. Banks using the universal banking model are built on strong customer relationships and funded predominantly from their own deposit base.

In Indonesia and the rest of Southeast Asia, the universal banking model has been the predominant business model of choice for major banks (e.g., Mandiri, BCA, Danamon, etc.) and this is clearly going forward.

Banks will become more focused. They will compete where they can win. Large banks will still loom over the landscape, but they are much more likely to be multi-local institutions -repeating a simpler, more standardized business model across fewer countries - rather than wide-ranging, highly complex global titans.

By returning to the past banks will move forward. They will once again emphasize old-fashioned products and practices, where the bias is to lend what is brought in as deposits.

Their business models will reflect a more cautious, more highly regulated, and less risk-oriented environment. There will be a stronger focus on transaction, processing and fee-based activities.

This does not mean that banking will be dull or easy. If anything, it will become more demanding as banks get back to the business of focusing on their customers - the emphasis will be on relationships, not products.

The new realities will force many banks to fall back on core businesses and leaner cost structures. They will revert to the things they do best and compete only in markets where they have strong positions.

These actions - coupled with better risk management and an up-to-date view of how the crisis is playing out - should do more than ensure stability.

In Indonesia to date, we are fortunate that the crisis has had a more muted impact on the banking sector.

Indonesian banks are in a much healthier state than most in other parts of the world, partly due to the painful restructuring they underwent as a result of the Asian financial crisis a decade ago.

Two Indonesian banks that feature as top performers in BCG's Creating Value in Banking 2009 report are BCA and BRI. BCA appears in the top 10 for highest Total Shareholder Return among mid-cap banks globally in 2008 based on returns for the past five years.

BRI is among the highest for profitability performance in 2008 as measured on the basis of return on equity. This is clear evidence of the Indonesian market potential.

That said, the crisis presents some clear short-term challenges and opportunities. At the top of the list is clearly managing asset quality. There are expectations from many analysts that the nonperforming loan rate for Indonesian banks will go up in the short term as the economy cools down.

Proactive management of asset quality will determine whether banks will have a decent or a horrible 2009. Beyond that, a critical topic for many banks will be the strength of their retail deposit franchise.

A successful deposit franchise can contribute a material difference to a bank's profitability as well as provide customer relationships to expand the business in the long term.

Many bankers are also talking about how loan growth will slow down in the near future relative to the aggressive growth we saw in 2007-2008. This is likely to happen.

However, it is also important to balance that with the longer term view of the market. There are long-term attractive market opportunities in many different areas - including retail banking, micro-finance and the wholesale segment.

In our view, the slowdown provides clear opportunities for banks to re-tool the necessary capabilities, processes and systems they need to capture the longer term opportunities.

Acting now will position banks to gain substantial ground in their core markets at the expense of competitors that do not respond quickly and with purpose. As we have already said, a crisis is too good an opportunity to waste.

The writer is a partner and managing director at BCG's Jakarta office. This article is based on the Living with New Realities: Creating Value in Banking 2009 report, which can be found at http://www.bcg.com/impact_expertise/publication/files/Creating_Value_in_.... The Boston Consulting Group is a leading global management firm

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