THE fall season could perhaps be upon us very soon. Last week, Bank Indonesia (BI) asked that banks ensure their balance sheets are in line with BI Regulation 7/2005 regarding Public Banks' Value and Quality of Assets. Many bankers were shocked when this regulation was issued in January of this year.

They do not feel that the effects are sufficient because the regulation could end up reducing profit as well as capital adequacy ratios (CARs) wh