An Islamic bank cannot offer a fixed interest rate to those who trust their savings to it for safekeeping, but it can give them a gift that acknowledges the time value of money in appreciation for the use of funds by the bank.

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Rioters had torched Liem's Jakarta mansion, damaged 122 BCA branches and destroyed 150 ATMs. "I don't trust this bank anymore, " says Rudi Setiadi while waiting to take out his savings.

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It would be able to borrow money, with a government guarantee, either from the Bank of Japan or from the finance ministry's trust-fund bureau, which manages postal-savings money.

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