Rasio Bank CIMB Niaga per 30 September 2015

Nama Bank : Bank CIMB Niaga

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Cukup Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 30,319,234 29,609,019 2.40%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 190,916,763 184,779,938 3.32%
CAR 15.88% 16.02% -0.90%
Tier 1 Capital to Total Capital 87.16% 86.64% 0.60%
Capital to Total Assets 12.68% 13.05% -2.79%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 239,020,156 226,910,112 5.34%
Gross Loans (Rp Juta) 166,736,238 163,617,458 1.91%
NPL to Gross Loan 3.23% 3.45% -6.50%
NPL Net 1.49% 2.26% -33.90%
CKPN to Aset Produktif 3.30% 2.49% 32.41%
Loan Loss Provisions to Gross Loan 3.06% 1.13% 170.81%
Pemenuhan PPA 105.25% 84.34% 24.80%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 238,456 2,376,660 -89.97%
ROE 1.20% 12.58% -90.49%
ROA 0.21% 2.00% -89.64%
BOPO 97.93% 81.59% 20.02%
Biaya operasional non bunga to total aset 5.95% 4.17% 42.75%
Biaya operasional non bunga to pendapatan bunga 66.67% 48.17% 38.39%
NIM 5.17% 5.44% -5.05%
Funding Cost 5.81% 5.52% 5.15%
Fee Based Income to Total Income 8.11% 8.19% -1.01%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 177,995,665 168,269,411 5.78%
Low Cost Deposit 47.56% 45.06% 5.54%
Loans Deposit Ratio 92.04% 94.53% -2.63%
Liquid Asset to Total Asset 20.03% 18.73% 6.94%
Liquid Asset to Customer Deposit 26.89% 25.25% 6.49%
Interbank Ratio 113.71% 167.21% -31.99%

 

*) neraca desember 2014