Fund mobilization that is not followed by growth in productive assets at the grass-root level to augment the permanent purchasing power of middle to working-class citizens that represent the majority of producers and consumers in the country, will slowly bring banks into a race to the bottom.
Therefore, I would like to encourage foreign banks in Indonesia to jointly empower and expand their customer base because this is where the future expected returns lie. The efficiency you have gained, which shows your professionalism as bankers, is capital to build  BIS Review 8/2008  39  your customer base to further ensure your business resilience in the future.