SOFJAN Wanandi was really fed up. He felt even worse when he heard just how the Indonesian Bank Restructuring Agency was dealing with recalcitrant bankers. At the beginning of last year, Sofjan chose to pay all his liabilities to IBRA, totaling Rp1.8 billion, in regard to the bank he owned, Bank Dana Hutama, which had been frozen. “At that time we paid directly, we didn’t talk about postponements or repayment by installments,” h