One aspect that requires attention in regards to bank performance up to the end of 2007 is that bank stability in the post-crisis era already far exceeds that of the pre-crisis era. Nowadays, the majority of banks maintain their capital adequacy at a high level, with an average CAR in the range of 19.5%.
Total assets have experienced a substantial increase of 11.9% to Rp1,845 trillion. Regarding profitability, bank ROA has risen from 2.6% to 2.8%, which generally stems from improvements in the efficiency of operational banking activities. Meanwhile, bank NPL has performed satisfactorily, improving from 6.98% (gross) and 3.63% (net) to 5.41% and 2.29% respectively.