Rasio Bank Index Selindo per 30 Juni 2015

Nama Bank : Bank Index Selindo

Buku Bank : 1

Predikat berdasarkan Nilai Komposit : Sehat

Capital:
Ratio Q22015 Q22014 *) Growth
Capital (Rp Juta) 908.364 792.300 14,65%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 4.369.450 3.742.130 16,76%
CAR 20,79% 21,17% -1,79%
Tier 1 Capital to Total Capital 99,34% 99,72% -0,39%
Capital to Total Assets 12,20% 12,70% -3,95%

 

Asset Quality :
Ratio Q22015 Q22014 *) Growth
Total Asset (Rp Juta) 7.446.134 6.238.006 19,37%
Gross Loans (Rp Juta) 4.899.920 4.563.140 7,38%
NPL to Gross Loan 0,66% 0,08% 725,00%
NPL Net 0,29% 0,08% 262,50%
CKPN to Aset Produktif 0,26% 0,04% 550,00%
Loan Loss Provisions to Gross Loan 2,24% 0,11% 1865,71%
Pemenuhan PPA 30,51% 7,86% 288,16%

 

Earning & Efficiency:
Ratio Q22015 Q22014 *) Growth
Total Profit (Rp Juta) 44.275 41.695 6,19%
ROE 10,02% 10,65% -5,92%
ROA 1,76% 2,13% -17,37%
BOPO 85,23% 80,02% 6,51%
Biaya operasional non bunga to total aset 3,49% 2,42% 44,35%
Biaya operasional non bunga to pendapatan bunga 37,89% 25,94% 46,07%
NIM 4,55% 5,03% -9,54%
Funding Cost 6,63% 6,21% 6,83%
Fee Based Income to Total Income 1,20% 1,60% -24,88%

 

Liquidity:
Ratio Q22015 Q22014 *) Growth
Customer Deposit (Rp Juta) 6.204.062 5.227.046 18,69%
Low Cost Deposit 29,02% 22,53% 28,82%
Loans Deposit Ratio 78,97% 84,00% -5,99%
Liquid Asset to Total Asset 19,00% 13,66% 39,08%
Liquid Asset to Customer Deposit 22,80% 16,30% 39,87%
Interbank Ratio 423,17% 831,73% -49,12%

*) neraca desember 2014