you. it is up to you now to repay their investment in you in terms of finances, time, effort and intellectual guidance to be successful in whatever you do after su ’ u school. if you hold on strongly to your christian values, apply them in whatever you do and continue to fear god, i believe you will be successful and your future will be bright. but first you must succeed in your exams next week. on that note, i wish you all the best in your exams and may god ’ s many blessing be upon you as you answer that exam question or tick the box of that “ multiple choice ” question. thank you for listening. may god bless su ’ u school and may god bless solomon islands. bis central bankers ’ speeches

withdrawal through domestic banks. bank indonesia is also reviewing some regulations to enrich forex market instruments in order to revitalize hedging transactions. to curb regional inflation, we will optimize the functions of bank indonesia regional offices ( kbi ) as facilitator and catalyst for the acceleration of development in the region, particularly in eastern indonesia where growth is still having immense disparity. kbi will be encouraged to carry out its functions effectively by strengthening coordination and cooperation as well as synergizing with local government. in the future, task force for regional inflation control team ( tpid ) should be sustained by strategic consumer goods information systems primarily encompassing information on national production and stock. to achieve this target, strong commitment and support from a wide variety of parties, including from relevant ministries such as ministry of agriculture, ministry of commerce, as well as local government is significantly needed. distinguished guests, ladies and gentlemen, on the banking sector front, policy will be directed to maintain a proper balance between improving competitiveness and strengthening banks ’ resilience, as well as encouraging banks ’ intermediation function including broadening access to low cost banking services for the rural community. in order to improve banks ’ competitiveness, kebijakan suku bunga dasar kredit ( sbdk ) will be carried on to ensure a well - functioning market mechanism so as policy targets could be achieved. from banking supervision perspective, we will continue to enhance enforcement of policy by requiring banks to include an appropriate level of targets on efficiency improvement and credit rates lowering in their business plan. bank indonesia is also looking into the practice of interest rate setting for third party above the level set by the indonesia deposit insurance, as well as limiting the conduct of prize or gift offering to banks ’ customers. policy to strengthen banks ’ resilience will be conducted through improving banks ’ capital structure. it is hoped that such policy can reinforce bank in anticipating potential risk specifically amidst global economic uncertainty. i see that policies on consumer protection and governance also need special attention. following several act of banking frauds during the course of 2011, policy in these two aspects needs to be reviewed. for that reason, in 2012 we will continue to refine several aspects related to customers and potential customers protection. bis central bankers ’ speeches furthermore, to improve banks ’ governance, several regulations on financial report transparency would be reviewed particularly in relation to published financial report and regulation pertaining to appointment of public accountant by banks. we also will examine