This confirms that the provisions for impairment losses prepared by the banking industry are sufficient to mitigate credit risk. Liquidity risk in the banking industry is also low with ample liquidity, as indicated by the ratio of liquid assets to deposits as described above. However, the potential impact of a number of risk factors, both in terms of domestic  Graph 10.a.
Banking Capital and Credit Risk %  %  Index  28  3.4 3.2  26  3 2.8  24  2.6 2.4  22  2.2 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10  2017  2018  2019  NPL (gross)  Source: Bank Indonesia, OJK  2020  2021 2022  CAR (rhs)  Digital economy and finance transactions are growing rapidly in line with Bank Indonesia’s policy to accelerate payment system digitalization in order to support national economic recovery.