There are some positive features to

There are some positive features to the NR affair. Firstly, it demonstrated the importance of both banks and their supervisors considering the risk characteristics of business models and undertaking robust stress-tests. Some business models are clearly more vulnerable than others and most especially to some LPHI risks. Secondly, reform of the DPS was needed because of its internal inconsistencies, and the NR affair performed the useful role of bring this to the fore and to the public’s consciousness. Thirdly, it has emphasised the importance of effective governance arrangements within financial firms.
Furthermore, the episode has brought two other central issues to the attention of the public: the role of government and the possible underwriting of risks by the tax-payer, and the general question of moral hazard.

Results (Indonesian) 2:

Ada beberapa fitur positif untuk urusan NR. Pertama, menunjukkan pentingnya kedua bank dan pengawas mereka mempertimbangkan karakteristik risiko model bisnis dan usaha stres tes yang kuat. Beberapa model bisnis yang jelas lebih rentan daripada yang lain dan terutama untuk beberapa risiko LPHI. Kedua, reformasi DPS diperlukan karena inkonsistensi internal, dan urusan NR melakukan peran yang berguna membawa ini ke depan dan kesadaran publik. Ketiga, telah menekankan pentingnya tata pemerintahan yang efektif dalam perusahaan keuangan.
Selain itu, episode telah membawa dua isu sentral lainnya untuk perhatian publik: peran pemerintah dan kemungkinan underwriting risiko oleh pembayar pajak, dan Pertanyaan umum moral hazard.