Indonesia's banking sector comprised 115 commercial banks and 1,630 rural banks.$ PT Bank Rakyat Indonesia (Persero) Tok, PT Bank Mandiri Tbk, PT Bank Central Asia Tok (BCA), and PT Bank Negara Indonesia Tok were the biggest players, collectively making up more than 50 per cent of the banking sector's assets.' All of the large banks offered a broad suite of consumer banking products and had an extensive network of physical branches stretching from the capital, Jakarta, into Indonesia's provinces