"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. …

Sunday, January 31, 2010

Danamon Chief Reflects On Sector’s ‘Dramatic’ Evolution

Jakarta Globe, Janeman Latul, January 31, 2010

Bank Danamon’s Sebastian Paredes will step down in April.

Days after announcing that he would step down in April, Sebastian Paredes, president director of PT Bank Danamon, the fifth-largest commercial bank in Indonesia, talked to the Jakarta Globe about the state of the bank, the sector and the domestic economy after the global financial crisis.

Was 2009 not a good year for Bank Danamon?

You have to remember that we faced the most severe global financial crisis since the Great Depression in the 1930s. The important thing is what the bank has done to help its underlying development. It is not only about the profitability of one year versus the previous year because we faced incredible challenges. You need to focus on the past five years to see what the bank has accomplished. And that’s why I focused more on the value of the franchise.

How do you measure that value?

We have doubled the value of our disbursed loans. In terms of employees, we have gone from 26,000 to 41,000. We are now the second-largest employer in the financial sector in Indonesia. We have raised our customer base from 2 million to 5.2 million. In terms of branches, we had 900 five years ago and now we have nearly 2,000. In terms of revenue, we have increased it by 2.5 times since 2005. This year will be an extraordinary year for Bank Danamon because the crisis is over but the core franchise has continued to grow. This year we are targeting 20 percent loan growth.

Why are you resigning now?

Some people say you should leave when things are going well and not when things are bad. In the past two years we were able to navigate tremendous challenges. Now that the crisis is over, I will leave the franchise in a very good position. Our capital ratio is one of the highest in the country, while our liquidity is very robust. Brand awareness has increased. I’m very confident about Danamon’s future. The board understands that this is a personal decision. They understand the reason I want to move on.

What are you going to do next?

For me, it’s time to try new challenges. I have grown to love this country. I have been a very lucky person. I have met so many nice people. I think Indonesia is a country with many opportunities and my preference is to stay here. I’m evaluating some options but haven’t decided yet.

What do you think about the upgrading of Indonesia’s sovereign debt?

We are now a notch below investment grade and this is very good news for Indonesia. It shows that the macroeconomic stability and the macroeconomic plan that the country has had for several years are beginning to pay off. It’s a recognition of the way the economy has been managed over the past year. This is very important as it relates to the allocation of investment around the world. The minute the country reaches investment grade then the allocation for investment here will increase.

When do you think Indonesia could reach investment grade?

It’s difficult to say when because it depends on many factors. Different rating agencies also have many factors to calculate. But I think we are moving in the right direction and hopefully Indonesia will reach investment grade in the next five years.

Do you see political factors, such as the Bank Century bailout saga, hurting economic stability?

In emerging markets, when we talk about economic stability we talk about political, economic and social stability. It’s important for economic stability to rest on political stability. Any events that derail that are not positive. So we can only hope that all the events are addressed accordingly and maturely.

Let’s discuss the Indonesian banking sector over the past five years?

There has been a dramatic evolution of the banking sector in Indonesia in the past five years. I say it was dramatic because when you look at how many banks have been acquired or merged and the amount of investment, as well as the enhancement of strategy, the transformation was incredible. You have seen players shifting strategy, you have seen very important investment from foreign players, you have seen state banks growing very rapidly and competing fairly with the private sector, which is very refreshing.

What should the government do to encourage credit expansion?

I think a lot has to with stability and economic growth. Stability in the sense that if you have low interest rates for a longer period of time, you will see people becoming comfortable with borrowing and lending and therefore would see a much faster acceleration of credit expansion. Also, when you have the economic growth and you have income per capita growth, you see the middle class developing and benefiting the economy.

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