THE fraud cases at BNI and BRI banks have left Robby Djohan, 66, at a loss for words. Once named the most expensive banker, Robby cannot imagine how anyone could have duped the two state-owned banks, without the knowledge of the banks senior management. The management of those banks must be replaced, said Robby.

Robby Djohan does not give assessments, particularly on banks, easily. As an outsider for some time, Robby admits to using common sense a