Rasio Bank DBS per 30 September 2015

Nama Bank : Bank DBS

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Cukup Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 9,877,705 6,307,398 56.61%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 52,190,717 44,511,247 17.25%
CAR 18.93% 14.17% 33.59%
Tier 1 Capital to Total Capital 65.63% 93.82% -30.05%
Capital to Total Assets 14.72% 9.61% 53.23%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 67,109,062 65,662,937 2.20%
Gross Loans (Rp Juta) 43,424,399 41,276,219 5.20%
NPL to Gross Loan 3.95% 3.00% 31.67%
NPL Net 2.43% 1.53% 58.82%
CKPN to Aset Produktif 2.23% 1.76% 26.70%
Loan Loss Provisions to Gross Loan 2.68% 1.22% 120.27%
Pemenuhan PPA 74.83% 107.29% -30.26%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) (178,965) 366,050 -148.89%
ROE -3.44% 8.40% -140.95%
ROA -0.41% 1.17% -135.04%
BOPO 100.75% 81.09% 24.24%
Biaya operasional non bunga to total aset 6.20% 4.06% 52.81%
Biaya operasional non bunga to pendapatan bunga 86.05% 68.02% 26.52%
NIM 3.92% 4.74% -17.30%
Funding Cost 6.33% 4.04% 56.83%
Fee Based Income to Total Income 5.86% 7.36% -20.38%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 42,113,014 44,466,289 -5.29%
Low Cost Deposit 29.23% 26.63% 9.79%
Loans Deposit Ratio 103.11% 100.58% 2.52%
Liquid Asset to Total Asset 22.00% 24.43% -9.94%
Liquid Asset to Customer Deposit 35.07% 36.08% -2.81%
Interbank Ratio 32.60% 98.17% -66.79%

 

*) neraca desember 2014