Like its name, the Indonesian Bank Restructuring Agency, or IBRA, is not really that much different to a hospital. Everything inside it has problems, and some of these are sick, ranging from non-performing loans to ailing banks. And just like at a hospital. IBRA also has its areas of specialization, each complete with its own range of fees and book of rules.

IBRA has three areas of specialization. First there's the division that handles ass