Rasio Bank Ganesha per 30 Juni 2015

Nama Bank : Bank Ganesha

Buku Bank : 1

Predikat berdasarkan Nilai Komposit : Cukup Sehat

Capital:
Ratio Q22015 Q22014 *) Growth
Capital (Rp Juta) 189.767 201.254 -5,71%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 1.451.076 1.351.463 7,37%
CAR 13,08% 14,91% -12,27%
Tier 1 Capital to Total Capital 92,60% 92,80% -0,21%
Capital to Total Assets 9,11% 9,42% -3,35%

 

Asset Quality :
Ratio Q22015 Q22014 *) Growth
Total Asset (Rp Juta) 2.083.596 2.135.757 -2,44%
Gross Loans (Rp Juta) 1.325.720 1.216.944 8,94%
NPL to Gross Loan 2,94% 2,45% 20,00%
NPL Net 2,37% 1,56% 51,92%
CKPN to Aset Produktif 0,49% 0,73% -32,88%
Loan Loss Provisions to Gross Loan 0,39% 0,24% 64,84%
Pemenuhan PPA 18,88% 43,03% -56,12%

 

Earning & Efficiency:
Ratio Q22015 Q22014 *) Growth
Total Profit (Rp Juta) 3.825 2.597 47,29%
ROE 4,25% 2,79% 52,33%
ROA 0,50% 0,36% 38,89%
BOPO 96,48% 96,12% 0,37%
Biaya operasional non bunga to total aset 4,66% 4,63% 0,70%
Biaya operasional non bunga to pendapatan bunga 48,96% 54,24% -9,73%
NIM 4,94% 5,36% -7,84%
Funding Cost 6,22% 5,32% 16,84%
Fee Based Income to Total Income 5,35% 4,72% 13,40%

 

Liquidity:
Ratio Q22015 Q22014 *) Growth
Customer Deposit (Rp Juta) 1.800.648 1.789.839 0,60%
Low Cost Deposit 40,97% 33,56% 22,08%
Loans Deposit Ratio 69,07% 68,01% 1,56%
Liquid Asset to Total Asset 25,56% 25,64% -0,31%
Liquid Asset to Customer Deposit 29,58% 30,60% -3,33%
Interbank Ratio 633,16% 199,31% 217,68%

*) neraca desember 2014