"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. …

Saturday, December 13, 2008

Lending to slow, bad loans to show: Banks

Aditya Suharmoko, The Jakarta Post, Jakarta | Fri, 12/12/2008 10:41 AM  

Bank lending will probably grow more slowly next year, while the proportion of bad loans may rise, as the global financial crisis hits Indonesia's real sector, thus reducing business expansion and debt repayment capacity. 

Bank Mandiri chief economist Mirza Adityaswara forecast Thursday national bank loans would grow by an estimated 15 percent in 2009, below the 22 percent growth forecast by the central bank. 

"Banks will be more careful in channeling loans by tightening loan requirements. A 22 percent growth rate is too optimistic," Mirza told a press conference. 

According to the central bank, lending grew by 30 percent as of November this year from a year earlier. 

Mandiri, the country's largest lender by assets, has said lending next year will grow less than the 18 percent expected in 2008. As of the end of September, the bank recorded a 33.7 percent growth in lending to Rp 162.8 trillion (US$14.77 billion) from a year earlier. 

Bank Negara Indonesia (BNI) president director Gatot M. Suwondo said BNI lending would likely grow by 17 percent in 2009, down from the 28 percent growth expected this year, as the country's economic growth might fall to between 4 percent and 4.5 percent. 

The World Bank predicted Indonesia's economy may grow by 4.4 percent in 2009, while Finance Minister Sri Mulyani Indrawati agreed that economic growth might fall as low as 4.5 percent. However the 2009 state budget still assumes growth at 6 percent. 

By the end of September, BNI posted a 34.4 percent growth in lending to Rp 106.85 trillion from a year earlier. 

"We will prioritize lending to small and medium sized enterprises," Gatot told a press briefing. 

He also said BNI's bad loans could rise to 6 percent next year as business debt repayment capacity might fall. As of September, the bank's rate of gross non-performing loans (NPLs) stood at 6.5 percent, with BNI expecting the rate to drop to 5 percent by the year's end. 

BNI's bad loans are mostly coming from the telecommunications sector, amounting to Rp 2.96 trillion out of a total of Rp 13.83 trillion in bad loans. 

PT Semen Bosowa Maros, led by Erwin Aksa, a nephew of Vice President Jusuf Kalla, is BNI's largest debtor, owing Rp 578 billion. Semen Bosowa's debt came from a loan syndication involving Mandiri, BNI and Bank BTN, with participations of 60 percent, 36 percent and 4 percent, respectively. 

Mirza said the rate of gross national NPLs would likely rise by 2 percent next year. By the end of October, NPLs stood at 3.9 percent, the central bank said. 

"Judging from the situations in 2005 and 2006, loans on motorcycles, and other consumer loans, will be hit (triggering bad loans)," he said. 

If the real sector is hit by the economic slowdown, the financial sector will be affected, the central bank has said, suggesting the government speed up spending to stimulate the economy. 

Also on Thursday, international ratings agency Fitch affirmed BNI's long-term foreign and local currency issuer default ratings at "BB", reflecting the bank's improved NPLs, which should provide some cushion against the economic downturn in 2009.

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