While non-performing loans (NPL) is well maintained at low around 3% (gross) and capital adequacy ratio (CAR) in average at level of 18%. On the fiscal side, the government also showed a strong consistent effort in budget management efficiency and discipline.
The fiscal deficit keeps low level of below 3% of GDP, which this year is expected to be 2.1%, and will be in a declining trend for years ahead. While, at the same time various measures are taken to continually improve its spending mechanism.