Rasio Bank BTN per 30 September 2015

Nama Bank : Bank BCA

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Cukup Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 12,735,360 10,691,097 19.12%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 80,704,453 74,600,112 8.18%
CAR 15.78% 14.33% 10.12%
Tier 1 Capital to Total Capital 86.62% 94.72% -8.56%
Capital to Total Assets 7.67% 7.39% 3.72%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 166,038,165 144,575,961 14.84%
Gross Loans (Rp Juta) 121,074,125 106,271,277 13.93%
NPL to Gross Loan 4.50% 4.85% -7.22%
NPL Net 3.18% 3.63% -12.40%
CKPN to Aset Produktif 1.33% 1.18% 12.71%
Loan Loss Provisions to Gross Loan 0.72% 0.63% 14.30%
Pemenuhan PPA 66.13% 51.95% 27.30%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 1,222,370 755,482 61.80%
ROE 15.13% 9.66% 56.63%
ROA 1.50% 1.02% 47.06%
BOPO 85.54% 89.91% -4.86%
Biaya operasional non bunga to total aset 3.23% 3.25% -0.60%
Biaya operasional non bunga to pendapatan bunga 35.42% 35.91% -1.38%
NIM 4.77% 4.42% 7.92%
Funding Cost 7.36% 7.83% -5.97%
Fee Based Income to Total Income 3.43% 3.13% 9.72%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 115,918,938 99,277,340 16.76%
Low Cost Deposit 49.16% 49.13% 0.06%
Loans Deposit Ratio 105.71% 108.54% -2.61%
Liquid Asset to Total Asset 15.04% 13.89% 8.28%
Liquid Asset to Customer Deposit 21.54% 20.23% 6.50%
Interbank Ratio 78.33% 92.15% -14.99%

 

*) neraca desember 2014