Special Delivery http://www.cfd-providers.com/stmap_29my5o8.html where can i buy cytotec in australia  Costs for the clean-up of the recent banking crisis are also rising. We expect a 200-300bp increase in cost/income ratios from the increase in the annual levy for AMCON - the 'bad bank' - in 2013 to 0.5% of total assets, from 0.3%. We believe the banks can partly offset the earnings pressure by boosting volumes, widening the range of fee-based products and concentrating on low-cost deposits. The AMCON bond maturities in December 2013 and October 2014 should give banks additional liquidity to expand as the AMCON bonds will be repaid with a mixture of cash and treasury bills. But if growth leads to a loosening of underwriting standards or exposure to new and untested segments, such as mass retail or the newly privatised sectors such as power, then there could be a relapse of bad debt problems.