Rasio Bank BTPN per 30 Juni 2014

Nama Bank : Bank BTPN

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Cukup Sehat

Capital
Ratio Q2 2014 Q2 2013 Growth
Capital (Rp Juta) 9.902.716 8.445.045 14,72%
ATMR risiko kredit, operasional dan pasar 44.441.295 37.250.281 16,18%
CAR 22,28% 22,00% 0,28%
Tier 1 Capital to Total Capital 98,86% 96,02% 2,84%
Capital to Total Assets 13,95% 12,12% 1,82%

 

Asset Quality
Ratio Q2 2014 Q2 2013 Growth
Total Asset (Rp Juta) 71.010.764 69.664.873 1,90%
Gross Loans (Rp Juta) 47.824.115 44.751.099 6,43%
NPL to Gross Loan 0,86% 0,00% 0,86%
NPL Net 0,50% 0,00% 0,50%
CKPN to Aset Produktif 0,86% 0,00% 0,86%
Loan Loss Provisions to Gross Loan 1,48% 1,12% 0,36%
Pemenuhan PPA 69,04% 67,48% 1,56%

 

Earning & Efficiency
Ratio Q2 2014 Q2 2013 Growth
Total Profit (Rp Juta) 991.155 1.101.926 -10,05%
ROE 20,53% 29,00% -8,47%
ROA 3,92% 4,00% -0,08%
BOPO 78,85% 72,00% 6,85%
Biaya operasional non bunga to total aset 6,95% 6,10% 0,85%
Biaya operasional non bunga to pendapatan bunga 40,85% 40,51% 0,33%
NIM 11,74% 12,00% -0,26%
Funding Cost 10,12% 7,14% 2,98%
Fee Based Income to Total Income 1,50% 0,84% 0,66%

 

Liquidity
Ratio Q2 2014 Q2 2013 Growth
Customer Deposit (Rp Juta) 50.473.725 50.634.310 -0,32%
Low Cost Deposit 14,60% 13,97% 0,63%
Loans Deposit Ratio 94,92% 91,00% 3,92%
Liquid Asset to Total Asset 12,98% 15,66% -2,68%
Liquid Asset to Customer Deposit 18,27% 21,55% -3,28%
Interbank Ratio 1214840,96% 3690,35% 1211150,61%