Cempaka Belanda: ‘Turn ABN Amro into a consumer bank which will benefit society’

"A Summary" – Apr 2, 2011 (Kryon channelled by Lee Carroll) (Subjects: Religion, Shift of Human Consciousness, 2012, Intelligent/Benevolent Design, EU, South America, 5 Currencies, Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Middle East, Internet, Israel, Dictators, Palestine, US, Japan (Quake/Tsunami Disasters , People, Society ...), Nuclear Power Revealed, Hydro Power, Geothermal Power, Moon, Financial Institutes (Recession, Realign integrity values ..) , China, North Korea, Global Unity,..... etc.) - (Text version)

"The Timing of the Great Shift" – Mar 21, 2009 (Kryon channelled by Lee Carroll) - (Text version)

“ … Here is another one. A change in what Human nature will allow for government. "Careful, Kryon, don't talk about politics. You'll get in trouble." I won't get in trouble. I'm going to tell you to watch for leadership that cares about you. "You mean politics is going to change?" It already has. It's beginning. Watch for it. You're going to see a total phase-out of old energy dictatorships eventually. The potential is that you're going to see that before 2013.
They're going to fall over, you know, because the energy of the population will not sustain an old energy leader ..."

"Update on Current Events" – Jul 23, 2011 (Kryon channelled by Lee Carroll) - (Subjects: The Humanization of God, Gaia, Shift of Human Consciousness, 2012, Benevolent Design, Financial Institutes (Recession, System to Change ...), Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Nuclear Power Revealed, Geothermal Power, Hydro Power, Drinking Water from Seawater, No need for Oil as Much, Middle East in Peace, Persia/Iran Uprising, Muhammad, Israel, DNA, Two Dictators to fall soon, Africa, China, (Old) Souls, Species to go, Whales to Humans, Global Unity,..... etc.)

"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy, Recalibration Lectures, God / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) - (Text version)

“… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …”

Tuesday, April 7, 2015

‘Turn ABN Amro into a consumer bank which will benefit society’

DutchNews.nl, April 7, 2015

ABN Amro is still owned by the state; it is time the government did something useful with it, write Reinier Casteleijn, Erik Hallers, Adjiedj Bakas and Wim de Ridder.

Finance minister Jeroen Dijsselbloem has decided to postpone the flotation of ABN Amro for now. A wise decision, not only because of the ill-advised salary hike for the bank’s top executives but because ABN Amro should be a bank at the service of Dutch consumers and entrepreneurs.

As long as ABN Amro is state-owned the government can force it to make innovations which will turn it into a consumer bank. This will increase the bank’s market value and make it future proof. It will also compensate the Dutch taxpayers somewhat for having paid the bank’s hefty bail-out bill.

The banks in this country, including ABN Amro, have let down consumers and small and medium-sized businesses alike over the last few years. It’s not for lack of money: the European Central Bank is printing it as we speak. Consumers and businesses are losing out nevertheless and it’s time for a re-think.

Client friendly

The Netherlands needs a bank which serves clients looking for finance in a modern and client-friendly way. It needs a bank with vision; innovative, socially-minded and not at the beck and call of shareholders.

The state should have demanded ABN Amro fulfil this role when it took ownership of the bank in 2008. Politicians, the Dutch Central Bank and financial services regulator AFM may have put in place a comprehensive organisation to control banks, but they haven’t shown any vision or insight when it comes to the commercial potential of a modern, socially-engaged bank.

The result is that small and medium-sized companies are looking elsewhere for finance. Google, Apple and Amazon are getting into banking and Microsoft has developed a digital platform which can turn any organisation into a bank. Crowd funding, credit unions and peer2peer banking are on the rise.

Digital age

In the global marketplace all banks want to be top players. But what good will that do us, the owners of ABN Amro? Flotation doesn’t guarantee good service to citizens and entrepreneurs.

In the past, government intervention in banking resulted in important innovations and new financial tools. The Rijskpostspaarbank, for instance, introduced the national giro-based payment system Girotel, the first form of electronic banking. The government also introduced a highly successful credit facility guarantee via the Nederlandse Middenstandsbank for small and medium-sized businesses.

Now technology is here to prepare banks for the digital age. Banks are mainly concentrating on digitalising traditional functions, such as payments and administration. They are neglecting to digitalise their commercial function. Many companies are looking for new business models which will make them more flexible. Banks should facilitate this by providing finance.

Social relevance

Social relevance is a form of success that we think ABN Amro and its workers should be very happy to achieve. Many prominent companies in the digital world, such as Tesla and Google, think social relevance is a key variable in their commercial policy. Car-maker Tesla allowed its patents to be used by anyone and called on businesses to develop a new generation of batteries because ‘all cars should run on electricity’.

The kind of bank we would like ABN Amro to become would formulate robust goals regarding its function in society. This can only be done if the government turns (part of) the bank into a disruptive, client-orientated bank, shows vision and demands socially-relevant innovation, as it did earlier in the case of the Rijkspostspaarbank.

The postponement of the ABN Amro flotation should be used to create a bank that will make a difference. Parliament should call on the Dutch Central Bank and the financial regulators to develop a plan for a game changing bank, a bank which would ultimately be of much greater value to society and the state coffers than is now thought.

Reinier Casteleijn is chairman of De Unie, Erik Hallers is owner of Sublime FM and Adjiedj Bakas is a trendwatcher, Wim de Ridder is a professor of futures studies at the University of Twente.

This article appeared earlier in the Volkskrant.

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