INDONESIAN bankers are describing their current relations with Bank Indonesia as 'hot and cold' like people suffering from high fever.

It all began when the central bank announced a new policy, effective March 1, requiring Indonesian banks to maintain a loan to deposit ratio (LDR) of between 78 and 100 percent.

Any bank failing to meet the ratio would be subject to a penalty of increasing its mandatory minimum deposits (GWM) by 0.1 percent for every