Rasio Bank BNI per 30 September 2015

Nama Bank : Bank BNI

Buku Bank : 4

Predikat berdasarkan Nilai Komposit : Sangat Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 59,503,248 48,946,622 21.57%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 341,370,646 301,524,492 13.21%
CAR 17.43% 16.23% 7.39%
Tier 1 Capital to Total Capital 84.20% 94.12% -10.53%
Capital to Total Assets 13.86% 12.44% 11.43%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 429,276,839 393,466,672 9.10%
Gross Loans (Rp Juta) 290,119,493 262,577,901 10.49%
NPL to Gross Loan 2.83% 2.23% 26.91%
NPL Net 0.68% 0.52% 30.77%
CKPN to Aset Produktif 2.78% 1.99% 39.70%
Loan Loss Provisions to Gross Loan 2.85% 1.67% 70.34%
Pemenuhan PPA 115.12% 159.09% -27.64%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 5,807,802 7,420,968 -21.74%
ROE 16.06% 22.65% -29.09%
ROA 2.45% 3.32% -26.20%
BOPO 78.59% 70.63% 11.27%
Biaya operasional non bunga to total aset 5.26% 4.79% 9.92%
Biaya operasional non bunga to pendapatan bunga 67.36% 62.01% 8.64%
NIM 6.50% 6.13% 6.04%
Funding Cost 3.09% 3.25% -4.86%
Fee Based Income to Total Income 13.64% 11.77% 15.89%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 330,916,113 299,021,042 10.67%
Low Cost Deposit 61.86% 65.66% -5.78%
Loans Deposit Ratio 87.67% 85.74% 2.25%
Liquid Asset to Total Asset 24.25% 23.60% 2.73%
Liquid Asset to Customer Deposit 31.45% 31.06% 1.28%
Interbank Ratio 406.50% 484.24% -16.05%

 

*) neraca desember 2014