"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, March 14, 2010

S&P Upgrades Indonesian Banks’ Ratings as Confidence Grows

Jakarta Globe, Dion Bisara, March 14, 2010

Bank Mandiri has welcomed S&P’s upgrade of its debt rating, saying it will help lower its borrowing costs. (Antara Photo/Prasetyo Utomo)

After upgrading Indonesia’s sovereign debt on Friday, rating agency Standard & Poor’s lifted the debt ratings of three domestic banks in a further sign of investor confidence in the economy.

S&P raised the ratings on the foreign currency debt of PT Bank Mandiri, PT Bank CIMB Niaga and PT Bank Internasional Indonesia to BB from BB-.

“The ratings on the banks were raised following the similar action on the sovereign credit rating on Indonesia,” said Terry Sham, a credit analyst at S&P, in a statement.

Standard & Poor’s on Friday raised Indonesia’s sovereign debt rating from BB- to BB with a “positive outlook,” meaning the country is now just two notches below S&P’s investment grade.

S&P said Indonesia’s debt could be upgraded again in the near future given the positive outlook.

The banks welcomed the upgrades, saying they would help reduce their funding costs.

“It will be good for Bank Mandiri and other lenders as it will enable us to reduce our cost of funds and make it easier to raise long-term financing, especially through the capital markets,” said Pahala Mansury, Bank Mandiri’s chief financial officer.

Purbaya Yudhi Sadewa, chief economist at the state-run Danareksa Research Institute, said the upgrades were a result of the resilience of the economy during the global financial crisis last year and the good performance of the banking sector.

“I think this is a good sign that could help jack up Indonesia’s banking sector,” Purbaya said. “I think if infrastructure development goes as planned, this could mean Indonesia might obtain investment grade in one or two years. That’s very achievable.”

The rationale behind the rating increase differed slightly for each bank. However, in principal, S&P said it determined that shareholders of these banks would strongly support any corporate actions.

S&P argued that as the government owns 67 percent of Bank Mandiri, it could rely on strong government support.

“Our earlier rating on Bank Mandiri did not incorporate our expectation of extraordinary government support to be available to the bank,” S&P said.

Bank Mandiri is the largest bank in the country by assets. It has a 16.1 percent market share of consumer deposits.

Bank Mandiri plans to issue about $300 million of subordinated debt to help lift the bank’s capital and will ask the government to lower the dividend-payout ratio to below 35 percent, which would increase retained earnings, further boosting its capital base.

The lender is also seeking approval from the government to conduct a rights issue this year to lift its capital-adequacy ratio in support of more lending.

Bank Mandiri’s profit rose 26 percent to Rp 6.72 trillion ($731 million) last year. Net interest income for the period rose 32 percent Rp 15.75 trillion.

“We could further raise the rating on Bank Mandiri if its asset quality and earnings improve and there is a similar rating action on the foreign currency rating on Indonesia. We may lower the rating if the bank’s asset quality deteriorates or the foreign currency sovereign rating on Indonesia is lowered,” S&P added.

S&P applied a similar argument to Bank CIMB Niaga. The agency said it expected the bank to be supported by its Malaysian parent company, the CIMB group. “We expect CIMB Niaga to continue to be strategically important to CIMB. The bank could be upgraded if: the foreign currency rating on Indonesia is raised; and the bank successfully optimizes synergy after the earlier merger and demonstrates improvement in asset quality, while maintaining an adequate profitability,” S&P noted.

S&P also expects that Malayan Banking Berhad (Maybank) will support its subsidiary, PT Bank International Indonesia, as a result of the improved sovereign debt rating. “We expect BII to continue to be strategically important to Maybank,” S&P said.

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