Rasio Bank BTN per 30 Juni 2014

Nama Bank : Bank BTN

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Cukup Sehat

Capital
Ratio Q2 2014 Q2 2013 Growth
Capital (Rp Juta) 10.826.138 10.037.556 7,28%
ATMR risiko kredit, operasional dan pasar 72.027.029 61.371.045 14,79%
CAR 15,03% 16,36% -1,33%
Tier 1 Capital to Total Capital 95,09% 95,31% -0,21%
Capital to Total Assets 7,98% 7,65% 0,33%

 

Asset Quality
Ratio Q2 2014 Q2 2013 Growth
Total Asset (Rp Juta) 135.623.126 131.169.730 3,28%
Gross Loans (Rp Juta) 97.804.941 92.386.308 5,54%
NPL to Gross Loan 5,01% 4,00% 1,01%
NPL Net 3,83% 3,00% 0,83%
CKPN to Aset Produktif 1,16% 1,00% 0,16%
Loan Loss Provisions to Gross Loan 0,61% 0,30% 0,30%
Pemenuhan PPA 56,29% 57,51% -1,21%

 

Earning & Efficiency
Ratio Q2 2014 Q2 2013 Growth
Total Profit (Rp Juta) 538.845 673.351 -19,98%
ROE 10,19% 13,00% -2,81%
ROA 1,11% 1,00% 0,11%
BOPO 89,17% 83,00% 6,17%
Biaya operasional non bunga to total aset 3,43% 3,07% 0,35%
Biaya operasional non bunga to pendapatan bunga 35,93% 38,85% -2,92%
NIM 4,53% 5,00% -0,47%
Funding Cost 7,96% 5,64% 2,32%
Fee Based Income to Total Income 0,19% 0,20% -0,01%

 

Liquidity
Ratio Q2 2014 Q2 2013 Growth
Customer Deposit (Rp Juta) 95.253.176 90.852.326 4,62%
Low Cost Deposit 46,69% 46,86% -0,17%
Loans Deposit Ratio 105,17% 110,00% -4,83%
Liquid Asset to Total Asset 16,39% 17,97% -1,58%
Liquid Asset to Customer Deposit 23,34% 25,94% -2,61%
Interbank Ratio 1157,59% 143,00% 1014,59%