Indonesia

Thanks to NPLs declining to 2.8% in 2012.

Average loan yields in micro loans have dropped to 20% in 2012.

And check out the 2 upside risks.

Branch network increased by 1.6 times between 2009 and 2012.

It's at 29% of GDP.

BNI now has 1,447 outlets from only 939 in 2009.

Thanks to the 6,000 newly-hired loan account officers.

Having the lowest cost of deposits is an advantage.

Fee income grew 21% in FY12.

They're expanding beyond their "core" lending segments.

Indonesia may allow state banks to have majority ownership of more than one lender. 

The limit should be 49% and not 99% as proposed.

It is very clear that Islamic banking is now an established industry with high growth prospects. Asia is and will continue to be a key geographical area for this industry, whether it is South East Asia, South Asia or the Middle East.

But growth wasn't fast enough that LDR reached 101%.

Thanks to a sustained loan growth of 20%.

Bank Tabungan Pensiunan Nasional hopes to raise Rp 750 billion ($77.5 million) from selling bonds. The Jakarta-based lender will offer the notes to investors from Feb. 26 through Feb. 28, the company said in a brief prospectus published in Bisnis Indonesia on Friday.