Lenders regularly adjust credit standards to achieve life of loan profitability given  2  BIS Review 107/2009  through-the-cycle estimates of credit loss. They should similarly be able to estimate throughthe-cycle reserves as reliably as short term likely losses. The stress test Accounting treatment issues are critically important in the regulatory evaluation of financial institutions' safety and soundness.
We must also be alert to the constellation of global monetary policies, where divergence occurs in monetary policies of the Fed and other developed countries, which results in stronger US dollar. It will bring different challenges for us because Indonesia is at the same time facing current transaction balance deficit that still needs to be controlled.