Rasio Bank Sumitomo Mitsui per 30 September 2015

Nama Bank : Bank Sumitomo Mitsui

Buku Bank : 3

Predikat berdasarkan Nilai Komposit : Cukup Sehat

 

Capital:
Ratio Q32015 Q32014 *) Growth
Capital (Rp Juta) 10,364,592 8,616,605 20.29%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 42,920,551 33,399,256 28.51%
CAR 24.15% 25.80% -6.40%
Tier 1 Capital to Total Capital 61.94% 63.64% -2.67%
Capital to Total Assets 17.67% 18.17% -2.72%

 

Asset Quality :
Ratio Q32015 Q32014 *) Growth
Total Asset (Rp Juta) 58,652,621 47,432,912 23.65%
Gross Loans (Rp Juta) 46,714,409 38,374,790 21.73%
NPL to Gross Loan 0.46% 0.76% -39.47%
NPL Net 0.43% 0.73% -41.10%
CKPN to Aset Produktif 0.07% 0.09% -22.22%
Loan Loss Provisions to Gross Loan 0.01% 0.00% 0.00%
Pemenuhan PPA 5.03% 5.58% -9.93%

 

Earning & Efficiency:
Ratio Q32015 Q32014 *) Growth
Total Profit (Rp Juta) 600,667 480,995 24.88%
ROE 12.90% 11.79% 9.41%
ROA 2.02% 1.96% 3.06%
BOPO 70.00% 72.28% -3.15%
Biaya operasional non bunga to total aset 5.45% 4.10% 32.75%
Biaya operasional non bunga to pendapatan bunga 147.63% 114.78% 28.62%
NIM 2.09% 2.14% -2.34%
Funding Cost 6.18% 4.80% 28.75%
Fee Based Income to Total Income 2.00% 3.25% -38.33%

 

Liquidity:
Ratio Q32015 Q32014 *) Growth
Customer Deposit (Rp Juta) 16,244,030 15,282,949 6.29%
Low Cost Deposit 57.39% 55.09% 4.17%
Loans Deposit Ratio 287.58% 277.95% 3.46%
Liquid Asset to Total Asset 14.26% 15.66% -8.95%
Liquid Asset to Customer Deposit 51.49% 48.61% 5.93%
Interbank Ratio 27.51% 164.72% -83.30%

 

*) neraca desember 2014