Rasio Bank Panin per 30 September 2015

Nama Bank : Bank Panin

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 28,154,880 20,233,683 39.15%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 144,011,370 127,958,613 12.55%
CAR 19.78% 17.46% 13.29%
Tier 1 Capital to Total Capital 85.18% 78.41% 8.64%
Capital to Total Assets 16.73% 12.72% 31.57%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 168,254,699 159,092,140 5.76%
Gross Loans (Rp Juta) 113,724,506 109,615,810 3.75%
NPL to Gross Loan 2.30% 2.01% 14.43%
NPL Net 0.52% 0.54% -3.70%
CKPN to Aset Produktif 1.73% 1.38% 25.36%
Loan Loss Provisions to Gross Loan 0.94% 0.52% 80.40%
Pemenuhan PPA 91.17% 75.33% 21.02%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 1,102,957 1,782,292 -38.12%
ROE 7.01% 14.21% -50.67%
ROA 1.22% 2.37% -48.52%
BOPO 87.74% 78.80% 11.35%
Biaya operasional non bunga to total aset 3.08% 2.57% 19.76%
Biaya operasional non bunga to pendapatan bunga 35.03% 30.50% 14.85%
NIM 4.48% 3.98% 12.56%
Funding Cost 7.14% 6.92% 3.26%
Fee Based Income to Total Income 2.23% 2.58% -13.48%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 123,393,698 121,060,898 1.93%
Low Cost Deposit 41.43% 53.83% -23.03%
Loans Deposit Ratio 96.93% 95.59% 1.40%
Liquid Asset to Total Asset 16.11% 12.20% 32.09%
Liquid Asset to Customer Deposit 21.97% 16.03% 37.06%
Interbank Ratio 95.94% 80.29% 19.50%

 

*) neraca desember 2014