Regional Credit Growth and NPL Credit Growth (% yoy)  NPL (%)  25  6  20  5  15  4  10  3  5  2  1  0 I  II  III 2014 Sumatra  IV  I  II  III 2015 Java  IV  I  II 2016  III  I  II  III  IV  2014 Kalimantan  I  II  III  IV  I  2015 Sulampua  II  III  2016 Balinusra  Source: Bank Indonesia  13  Optimizing Potential, Strengthening Resilience Bank Indonesia’s Annual Meeting 2016  The strengthening and optimalization of the domestic potential does not mean that we retreat from the global constellation.
Some groups are creating standards that facilitate common platforms to enable greater interoperability of often proprietary applications that are built on them and interoperate through application program interfaces, or APIs.