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.
This means that we need to improve and prepare ourselves by utilizing the existing domestic potential, thereby serving as a firm basis to leverage the domestic economy once the global economy recovers. external sector’s resilience in the form of declining dependence on foreign debt. We believe the economy’s resilience will be strengthened with effective implementation of deregulation policies that can resolve many structural issues.