Financial system stability will be maintained with stronger growth of outstanding loans disbursed by  25  the banking industry in 2022.The Capital Adequacy Ratio (CAR) remains high and the ratio of NPL low, including the credit restructuring arrangements of the Financial Services Authority (OJK - Otoritas Jasa Keuangan).
Bank intermediation will continue to improve, with credit and deposit growth expected to reach 6%-8% and 7%-9% compared with4%-6% and 8%-10% in 2021,as discussed previously. Demand for loans is expected to continue improving given increased growth of consumption, investment, and exports in line with the incremental recovery of economic activity from the Covid-19 pandemic.