WHAT would happen if one merged the bank that has the best record in amassing third party funds with the bank that is regarded as the loan leader in Indonesia? This, apparently, is what is being referred to as the dream bank, a merger between Bank Central Asia (BCA) and Bank Universal. According to its financial statements, as of December 2000, BCA was successful in amassing Rp86.1 trillion of third party funds yet was only able to provide loan f...