Do it because it is primarily in your interest to do so. Going forward, that burden can only become heavier especially as regulations evolve to force fair valuation of all financial assets in the context of migration to IAS in reckoning accounts. The implementation of Basle II will also lead to heavier risk weighting on NPAs.
In general, the prudential standards on the banking system will continue to keep rising as we seek closer alignment with international standards. We have already announced that banks should be IAS compliant by end-2005. We really have no choice on this. Our ratings cannot afford it. We have likewise defined the roadmap to make the banking system compliant with Basle II by 2007.