Rasio Bank BJB per 30 September 2015

Nama Bank : Bank BJB

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 6,311,761 5,730,315 10.15%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 40,785,102 35,419,819 15.15%
CAR 15.48% 16.18% -4.33%
Tier 1 Capital to Total Capital 93.77% 99.71% -5.95%
Capital to Total Assets 6.99% 8.17% -14.38%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 90,254,944 70,154,666 28.65%
Gross Loans (Rp Juta) 54,494,073 49,377,503 10.36%
NPL to Gross Loan 3.52% 4.14% -14.98%
NPL Net 0.75% 0.96% -21.88%
CKPN to Aset Produktif 1.93% 2.44% -20.90%
Loan Loss Provisions to Gross Loan 1.84% 2.67% -31.10%
Pemenuhan PPA 70.63% 87.84% -19.60%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 894,709 714,076 25.30%
ROE 20.29% 16.48% 23.12%
ROA 1.79% 1.69% 5.92%
BOPO 84.26% 85.16% -1.06%
Biaya operasional non bunga to total aset 4.75% 5.73% -17.10%
Biaya operasional non bunga to pendapatan bunga 47.66% 49.72% -4.15%
NIM 6.05% 6.68% -9.43%
Funding Cost 5.95% 7.53% -21.00%
Fee Based Income to Total Income 0.33% 0.44% -23.44%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 77,040,840 52,991,654 45.38%
Low Cost Deposit 51.49% 64.07% -19.64%
Loans Deposit Ratio 70.73% 79.72% -11.28%
Liquid Asset to Total Asset 18.94% 17.19% 10.18%
Liquid Asset to Customer Deposit 22.19% 22.76% -2.50%
Interbank Ratio 105.48% 55.90% 88.70%

 

*) neraca desember 2014