Neraca |
Total Aset | 964,838 | 891,337 | 845,605 | 808,572 | 709,330 |
Kas, Giro dan Penempatan (Net) | 174,226 | 129,827 | 115,205 | 102,093 | 94,206 |
Surat-surat Berharga (Net) | 25,803 | 29,687 | 27,162 | 32,044 | 36,050 |
Pinjaman yang Diberikan (Bruto) | 582,436 | 586,207 | 556,771 | 512,778 | 441,314 |
Obligasi Pemerintah (Net) | 111,428 | 90,659 | 81,029 | 86,791 | 79,849 |
Penyertaan (Net) | 830 | 813 | 523 | 604 | 713 |
Simpanan Nasabah | 729,169 | 679,452 | 614,311 | 578,775 | 516,098 |
Pinjaman yang Diterima dan Surat Berharga yang Diterbitkan | 51,209 | 47,199 | 60,321 | 55,112 | 48,204 |
Total Liabilitas | 838,318 | 746,236 | 720,601 | 698,198 | 608,427 |
Kepentingan Non Pengendali | 2,782 | 2,680 | 2,488 | 2,297 | 2,311 |
Ekuitas | 126,520 | 112,872 | 125,004 | 110,374 | 100,903 |
Laba Rugi |
Pendapatan Bunga | 50,026 | 56,173 | 58,532 | 54,139 | 48,178 |
Beban Bunga | (11,779) | (19,021) | (21,930) | (18,692) | (16,240) |
Pendapatan Bunga Bersih | 38,247 | 37,152 | 36,602 | 35,446 | 31,938 |
Pendapatan Premi dan Hasil Investasi (Net) | 1,399 | 1,471 | 1,697 | 1,712 | 1,768 |
Pendapatan Operasional Lainnya | 16,220 | 13,413 | 13,712 | 11,613 | 11,507 |
Beban Operasional | 24,801 | (24,214) | (23,687) | (21,783) | (20,863) |
Beban Penyisihan Kerugian | (18,297) | (22,590) | (8,838) | (7,388) | (7,126) |
Pendapatan Operasional Bersih | 12,767 | 5,231 | 19,487 | 19,599 | 17,223 |
Pendapatan (Beban) Bukan Operasional Bersih | (216) | (119) | (118) | 221 | (57) |
Laba Sebelum Pajak Penghasilan | 12,551 | 5,112 | 19,369 | 19,821 | 17,165 |
Pajak Penghasilan | (1,574) | (1,791) | (3,861) | (4,729) | (3,395) |
Laba Bersih setelah Pajak Penghasilan | 10,977 | 3,321 | 15,509 | 15,092 | 13,771 |
Laba yang dapat diatribusikan kepada: |
>> Kepentingan Non-Pengendali | 79 | 41 | 124 | 77 | 154 |
>> Pemilik | 10,899 | 3,280 | 15,384 | 15,015 | 13,616 |
Rasio Keuangan [%] |
Return On Assets (ROA) | 1.4% | 0,5% | 2,4% | 2,8% | 2,7% |
Return On Equity (ROE) | 10.4% | 2,9% | 14,0% | 16,1% | 15,6% |
Net Interest Margin (NIM) | 4.7% | 4,5% | 4,9% | 5,2% | 5,5% |
Pinjaman terhadap Jumlah Simpanan | 79.7% | 87,3% | 91,5% | 88,7% | 85,5% |
Rasio Kewajiban Penyediaan Modal Minimum | 19.7% | 16,8% | 19,7% | 18,4% | 18,6% |
Laba Bersih per Saham (EPS) | 585 | 176 | 825 | 805 | 730 |
Rasio Lainnya [%] |
NPL Bruto | 3.7% | 4,3% | 2,3% | 1,9% | 2,3% |
NPL Netto | 0.7% | 0,9% | 1,2% | 0,8% | 0,7% |
LLP/NPL Gross (Coverage Ratio) | 233.4% | 182,4% | 133,5% | 152,9% | 148,0% |
CIR (Rasio Biaya Terhadap Pendapatan) | 43.3% | 44,2% | 43,9% | 42,5% | 43,9% |
BOPO (Biaya Operasi/Pendapatan Operasional) | 81.2% | 93,3% | 73,16% | 70,15% | 70,99% |
Operating Income/Employee (juta Rp) | 1,985 | 1,738 | 1,732 | 1,657 | 1,496 |
Posisi Devisa Netto (PDN) | 0.9% | 3,2% | 2,4% | 2,0% | 2,5% |
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Jumlah Outlet | 2,183 | 2,219 | 2,368 | 2,262 | 2,150 |
Jumlah ATM | 16,385 | 18,230 | 18,659 | 18,311 | 17,966 |
Jumlah Pegawai | 27,177 | 27,202 | 27,211 | 27,224 | 27,209 |
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