Rasio Bank Harda Internasional per 30 Juni 2015

Nama Bank : Bank Harda Internasional

Buku Bank : 1

Predikat berdasarkan Nilai Komposit : Cukup Sehat

Capital:
Ratio Q22015 Q22014 *) Growth
Capital (Rp Juta) 287.258 228.145 25,91%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 1.685.327 1.518.949 10,95%
CAR 17,04% 15,03% 13,37%
Tier 1 Capital to Total Capital 95,24% 94,11% 1,20%
Capital to Total Assets 13,10% 11,28% 16,10%

 

Asset Quality :
Ratio Q22015 Q22014 *) Growth
Total Asset (Rp Juta) 2.192.512 2.021.726 8,45%
Gross Loans (Rp Juta) 1.563.573 1.513.066 3,34%
NPL to Gross Loan 2,78% 1,27% 118,90%
NPL Net 2,50% 1,14% 119,30%
CKPN to Aset Produktif 0,48% 0,29% 65,52%
Loan Loss Provisions to Gross Loan 0,13% 0,01% 915,11%
Pemenuhan PPA 16,94% 20,27% -16,43%

 

Earning & Efficiency:
Ratio Q22015 Q22014 *) Growth
Total Profit (Rp Juta) 6.084 3.744 62,50%
ROE 4,54% 3,82% 18,85%
ROA 0,81% 0,53% 52,83%
BOPO 93,20% 95,67% -2,58%
Biaya operasional non bunga to total aset 3,92% 3,65% 7,40%
Biaya operasional non bunga to pendapatan bunga 35,79% 36,79% -2,70%
NIM 5,05% 4,81% 4,99%
Funding Cost 8,37% 7,63% 9,62%
Fee Based Income to Total Income 0,68% 0,99% -31,87%

 

Liquidity:
Ratio Q22015 Q22014 *) Growth
Customer Deposit (Rp Juta) 1.742.095 1.619.394 7,58%
Low Cost Deposit 14,47% 13,26% 9,09%
Loans Deposit Ratio 89,48% 91,19% -1,88%
Liquid Asset to Total Asset 15,74% 15,34% 2,62%
Liquid Asset to Customer Deposit 19,81% 19,15% 3,45%
Interbank Ratio 88,14% 35,00% 151,85%

*) neraca desember 2014