Rasio Bank BTPN per 30 September 2015

Nama Bank : Bank BTPN

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 12,142,679 10,091,087 20.33%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 49,767,051 43,027,569 15.66%
CAR 24.40% 23.45% 4.05%
Tier 1 Capital to Total Capital 96.21% 99.06% -2.87%
Capital to Total Assets 15.94% 14.04% 13.50%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 76,189,429 71,862,049 6.02%
Gross Loans (Rp Juta) 53,747,432 49,443,134 8.71%
NPL to Gross Loan 0.73% 0.80% -8.75%
NPL Net 0.41% 0.44% -6.82%
CKPN to Aset Produktif 0.73% 0.82% -10.98%
Loan Loss Provisions to Gross Loan 1.38% 1.60% -13.53%
Pemenuhan PPA 59.69% 66.80% -10.64%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 1,295,959 1,387,368 -6.59%
ROE 15.37% 18.99% -19.06%
ROA 3.17% 3.65% -13.15%
BOPO 80.76% 80.11% 0.81%
Biaya operasional non bunga to total aset 6.19% 6.82% -9.16%
Biaya operasional non bunga to pendapatan bunga 41.39% 41.21% 0.45%
NIM 9.92% 11.22% -11.59%
Funding Cost 9.07% 10.29% -11.86%
Fee Based Income to Total Income 2.20% 2.02% 8.95%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 55,715,510 50,620,969 10.06%
Low Cost Deposit 14.04% 14.57% -3.65%
Loans Deposit Ratio 96.47% 98.18% -1.74%
Liquid Asset to Total Asset 16.61% 18.06% -8.04%
Liquid Asset to Customer Deposit 22.71% 25.64% -11.42%
Interbank Ratio 12852.39% 18532.66% -30.65%

 

*) neraca desember 2014