The merger process that Bank Bali, Bank Universal, Bank Patriot, Bank Prima Express and Bank Artha Media will have to undergo may be likened to traveling through a long, dark tunnel. After a delay of three months in the merger plan, the pattern the Indonesian Bank Restructuring Agency (IBRA) will opt for began to come to light when IBRA chief, I Putu Gde Ary Suta, asked Bank Indonesia (BI) to approve the change of status of four banks into t