Rasio Bank BJB per 30 Juni 2014

Nama Bank : Bank BJB

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Sehat

Ratio Q22014 Q22013 Growth
Capital (Rp Juta) 5.500.493 4.970.835 9,63%
ATMR risiko kredit, operasional dan pasar 34.719.094 30.391.663 12,46%
CAR 15,84% 16,00% -0,16%
Tier 1 Capital to Total Capital 99,85% 100,65% -0,80%
Capital to Total Assets 7,44% 7,45% -0,01%

 

Asset Quality :
Ratio Q22014 Q22013 Growth
Total Asset (Rp Juta) 73.955.418 66.720.141 9,78%
Gross Loans (Rp Juta) 47.719.125 45.109.607 5,47%
NPL to Gross Loan 3,97% 2,00% 1,97%
NPL Net 1,10% 0,00% 1,10%
CKPN to Aset Produktif 2,13% 1,00% 1,13%
Loan Loss Provisions to Gross Loan 2,88% 3,18% -0,30%
Pemenuhan PPA 80,83% 71,21% 9,62%

 

Earning & Efficiency:
Ratio Q22014 Q22013 Growth
Total Profit (Rp Juta) 487.116 729.331 -33,21%
ROE 16,64% 28,00% -11,36%
ROA 1,70% 2,00% -0,30%
BOPO 84,98% 75,00% 9,98%
Biaya operasional non bunga to total aset 5,46% 6,04% -0,58%
Biaya operasional non bunga to pendapatan bunga 49,96% 54,94% -4,99%
NIM 6,42% 8,00% -1,58%
Funding Cost 6,93% 6,05% 0,88%
Fee Based Income to Total Income 0,44% 0,30% 0,14%

 

Liquidity:
Ratio Q22014 Q22013 Growth
Customer Deposit (Rp Juta) 59.287.837 46.761.808 21,13%
Low Cost Deposit 51,88% 60,17% -8,29%
Loans Deposit Ratio 80,49% 80,00% 0,49%
Liquid Asset to Total Asset 19,41% 14,60% 4,81%
Liquid Asset to Customer Deposit 24,21% 20,84% 3,38%
Interbank Ratio 67,34% 24,59% 42,75%