Rasio Bank Permata per 30 September 2015

Nama Bank : Bank Permata

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Cukup Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 20,349,541 18,843,249 7.99%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 149,452,367 142,900,293 4.59%
CAR 13.62% 13.19% 3.26%
Tier 1 Capital to Total Capital 67.91% 68.24% -0.49%
Capital to Total Assets 10.48% 10.18% 2.92%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 194,224,470 185,094,484 4.93%
Gross Loans (Rp Juta) 122,386,067 120,608,462 1.47%
NPL to Gross Loan 2.50% 1.44% 73.61%
NPL Net 1.33% 0.75% 77.33%
CKPN to Aset Produktif 1.72% 0.89% 93.26%
Loan Loss Provisions to Gross Loan 1.72% 0.63% 172.15%
Pemenuhan PPA 83.18% 59.15% 40.63%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 944,472 1,247,488 -24.29%
ROE 9.26% 12.67% -26.91%
ROA 0.87% 1.25% -30.40%
BOPO 91.76% 87.93% 4.36%
Biaya operasional non bunga to total aset 3.83% 2.86% 34.20%
Biaya operasional non bunga to pendapatan bunga 45.55% 35.12% 29.70%
NIM 3.96% 3.53% 12.18%
Funding Cost 7.05% 7.08% -0.38%
Fee Based Income to Total Income 7.01% 7.12% -1.50%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 139,332,109 135,699,774 2.68%
Low Cost Deposit 36.25% 33.48% 8.26%
Loans Deposit Ratio 88.18% 88.05% 0.15%
Liquid Asset to Total Asset 23.64% 20.97% 12.74%
Liquid Asset to Customer Deposit 32.95% 28.60% 15.21%
Interbank Ratio 39.57% 82.58% -52.09%

 

*) neraca desember 2014