Rasio Bank Andara per 30 Juni 2015

Nama Bank : Bank Andara

Buku Bank : 1

Predikat berdasarkan Nilai Komposit : Cukup Sehat

Capital:
Ratio Q22015 Q22014 *) Growth
Capital (Rp Juta) 153.270 180.190 -14,94%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 428.377 489.608 -12,51%
CAR 35,78% 36,80% -2,77%
Tier 1 Capital to Total Capital 97,40% 97,23% 0,18%
Capital to Total Assets 16,16% 17,82% -9,30%

 

Asset Quality :
Ratio Q22015 Q22014 *) Growth
Total Asset (Rp Juta) 948.231 1.011.062 -6,21%
Gross Loans (Rp Juta) 706.530 678.097 4,19%
NPL to Gross Loan 3,34% 4,73% -29,39%
NPL Net 0,38% 1,14% -66,67%
CKPN to Aset Produktif 2,74% 3,85% -28,83%
Loan Loss Provisions to Gross Loan 0,87% 3,17% -72,69%
Pemenuhan PPA 97,46% 112,58% -13,42%

 

Earning & Efficiency:
Ratio Q22015 Q22014 *) Growth
Total Profit (Rp Juta) (5.624) (15.801) 64,41%
ROE -6,99% -17,34% 59,69%
ROA -1,14% -2,70% 57,78%
BOPO 109,69% 121,95% -10,05%
Biaya operasional non bunga to total aset 7,09% 8,45% -16,00%
Biaya operasional non bunga to pendapatan bunga 60,03% 60,24% -0,34%
NIM 4,46% 4,59% -2,83%
Funding Cost 62,66% 82,14% -23,71%
Fee Based Income to Total Income 0,76% 0,67% 13,91%

 

Liquidity:
Ratio Q22015 Q22014 *) Growth
Customer Deposit (Rp Juta) 110.203 109.216 0,90%
Low Cost Deposit 12,62% 10,55% 19,59%
Loans Deposit Ratio 119,07% 162,76% -26,84%
Liquid Asset to Total Asset 25,70% 32,35% -20,57%
Liquid Asset to Customer Deposit 221,14% 299,52% -26,17%
Interbank Ratio 10,41% 3,54% 193,87%

*) neraca desember 2014