Bank Capital and Non Performing Loans (%)  (%)  5.0  25 25  4.5  24 23.41 24  4.0  23  3.5  23 22  3.0  3.15  2.5 2.0  22 21 21  4  8 2016  12  4  8  12  2017  NPL (Gross)  Source: Bank Indonesia, OJK, compiled  18  Graph 19.
Growth in Banking Credit and Deposits  4  8 2018  12  4  8 2019  CAR (rhs)  12  4 2020  89  20  Payment System Transactions increased in line with economic improvements, accompanied by accelerated economic and financial digitalization.