THE increase in non-performing loans (NPL) does not worry Muliaman Hadad yet. Amidst the increasing bad credits in mining sector, the chief of the Financial Services Authority (OJK) still believes that banking performance is not going to falter. "The increase is not going to affect the banking performance," said Muliaman after attending a discussion in Jakarta last Thursday.

Up to August, the NPL ratio reached over 3.2 percent. The increase in the N