Rasio Rabo Bank per 30 Juni 2015

Nama Bank : Bank Rabo

Buku Bank : 2

Predikat berdasarkan Nilai Komposit : Kurang Sehat

Capital:
Ratio Q22015 Q22014 *) Growth
Capital (Rp Juta) 2.167.802 2.038.742 6,33%
ATMR risiko kredit, operasional dan pasar(Rp Juta) 14.002.560 14.547.287 -3,74%
CAR 15,48% 14,01% 10,50%
Tier 1 Capital to Total Capital 65,35% 64,88% 0,72%
Capital to Total Assets 13,59% 12,68% 7,15%

 

Asset Quality :
Ratio Q22015 Q22014 *) Growth
Total Asset (Rp Juta) 15.952.907 16.075.581 -0,76%
Gross Loans (Rp Juta) 12.344.469 11.712.944 5,39%
NPL to Gross Loan 6,28% 2,32% 170,48%
NPL Net 3,30% 1,34% 146,50%
CKPN to Aset Produktif 2,80% 1,09% 157,26%
Loan Loss Provisions to Gross Loan 5,30% 0,68% 674,20%
Pemenuhan PPA 126,24% 68,27% 84,91%

 

Earning & Efficiency:
Ratio Q22015 Q22014 *) Growth
Total Profit (Rp Juta) (355.987) 6.839 -5305,25%
ROE -58,05% 1,06% -5576,86%
ROA -4,18% 0,19% -2299,03%
BOPO 125,51% 98,48% 27,44%
Biaya operasional non bunga to total aset 8,50% 4,46% 90,73%
Biaya operasional non bunga to pendapatan bunga 95,73% 56,19% 70,36%
NIM 3,29% 3,18% 3,39%
Funding Cost 6,67% 4,99% 33,72%
Fee Based Income to Total Income 3,50% 2,83% 23,62%

 

Liquidity:
Ratio Q22015 Q22014 *) Growth
Customer Deposit (Rp Juta) 11.767.267 13.232.973 -11,08%
Low Cost Deposit 26,45% 26,60% -0,57%
Loans Deposit Ratio 104,91% 118,84% -11,73%
Liquid Asset to Total Asset 21,58% 24,48% -11,87%
Liquid Asset to Customer Deposit 29,25% 29,74% -1,65%
Interbank Ratio 42,72% 491,23% -91,30%

*) neraca desember 2014