Assessment regarding the soundness level of a commercial bank is regulated by the bank indonesia

through pbi no.13 / 1 / pbi / 2011 on rating of commercial bank soundness. Regulations this revokes the
stated camels assessment in selbi no. 6/23 / dpnp dated 31 may 2004. Based on the new bank indonesia
regulations the assessment of the soundness of a commercial bank changed to rgec which consists of
profile factors risk (risk profile), good corporate governance, profitability (earnings), and capital (capital).
1. Risk Profile
PBI No.13/1/PBI/2011
a. credit risk
NPL = Total Non-performing Loans / Total Loans granted × 100%
= 2.08%

b. liquidity risk
LDR = Credit / Third Party Funds × 100%
= 73.28%
Source: Appendix SE BI No. 6/23 / DPNP

3. Rentability (Earning)
a. Return on Asset (ROA)
ROA = Profit Before Tax / Average Total Assets × 100%
= 3.12%
Appendix SE BI No. 13/24 / DPNP
b. ROE= 15.62%

b. Net Interest Margin (NIM)

NIM = Net Interest Income / Average Earning Assets × 100% = 5.96%
Appendix SE BI No. 13/24 / DPNP

c. BOPO = 66.59%
SE BI 13/24/DPNP/2011

SE BI 6/23/DPNP 2004

4. Capital
SE BI No.13/24/DPNP
CAR = Capital / Risk Weighted Assets (RWA) × 100% = 24,7%