Rasio Bank Artos per 30 Juni 2015

Nama Bank : Bank Artos

Buku Bank : 1

Predikat berdasarkan Nilai Komposit : Cukup Sehat

Capital:
Ratio Q22015 Q22014 *) Growth
Capital (Rp Juta) 111.225 96.332 15,46%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 578.554 623.378 -7,19%
CAR 19,22% 15,45% 24,40%
Tier 1 Capital to Total Capital 96,46% 95,18% 1,35%
Capital to Total Assets 15,25% 11,47% 32,92%

 

Asset Quality :
Ratio Q22015 Q22014 *) Growth
Total Asset (Rp Juta) 729.538 839.836 -13,13%
Gross Loans (Rp Juta) 491.386 548.659 -10,44%
NPL to Gross Loan 4,05% 4,05% 0,00%
NPL Net 3,77% 3,77% 0,00%
CKPN to Aset Produktif 0,85% 3,25% -73,85%
Loan Loss Provisions to Gross Loan 0,01% 1,51% -99,49%
Pemenuhan PPA 59,78% 38,93% 53,58%

 

Earning & Efficiency:
Ratio Q22015 Q22014 *) Growth
Total Profit (Rp Juta) 649 (2.779) 123,35%
ROE 1,41% -5,17% 127,27%
ROA 0,32% -0,83% 138,55%
BOPO 98,54% 108,19% -8,92%
Biaya operasional non bunga to total aset 5,32% 4,73% 12,61%
Biaya operasional non bunga to pendapatan bunga 38,69% 51,04% -24,19%
NIM 5,26% 5,26% 0,00%
Funding Cost 11,22% 8,02% 40,01%
Fee Based Income to Total Income 0,00% 0,00% 0,00%

 

Liquidity:
Ratio Q22015 Q22014 *) Growth
Customer Deposit (Rp Juta) 562.463 586.996 -4,18%
Low Cost Deposit 11,14% 13,16% -15,38%
Loans Deposit Ratio 109,70% 109,70% 0,00%
Liquid Asset to Total Asset 24,13% 26,20% -7,92%
Liquid Asset to Customer Deposit 31,29% 37,49% -16,53%
Interbank Ratio 3,64% 1,29% 181,44%

*) neraca desember 2014