LAST week was a very busy week for Ari Fajar Gunawan. Whenever he met with customers and colleagues, this banker from PT Bank Negara Indonesia (BNI) was often asked about the condition of the national banking industry following the operating license of Bank IFI being revoked by Bank Indonesia, on Thursday two weeks ago.

They conveyed their feelings of concern via SMS messages or by telephone. All these questions were very similar. For example, i