In this section, I will also present the various  2/12  policies that we have developed and now expect to resolve the various problems and challenges and build the Indonesian banking industry as a sound, strong, and efficient banking industry, of benefit to the economy and society.
In my closing remarks, I will attempt to present some conclusions by reiterating the key messages that I see as important and deserving of attention from us all. These are points that I expect to become the focus in our efforts to take the development of the banking industry to a new level in support of 7% economic growth in year 2008.