Bank BJTM

BANK ICB Bumiputera Tbk
Neraca Per 31 Desember 20X1
Aktiva Kewajiban dan Ekuitas

Kewajiban
Kas 16,580,000 Giro 302,575,250
Giro pada Bank Sentral 108,750,000 Kewajiban Lain 59,875,025
Giro pada Bank Lain 8,754,500 Tabungan 159,875,250
Wesel dan Tagihan 135,750,000 Simpanan Berjangka 598,575,025
Surat Berharga 15,000,000 Pinjaman 127,850,350
Simpanan Berjangka 22,500,000 Setoran Jaminan 1,458,750
Pinjaman yang diberikan 975,421,000 Pasiva Valas
Cadangan Debitur Dubius (21,525,850) - Dapat Dibayar 7,548,520
- Lainnya 30,587,500
Lain-Lain 7,541,200
Jumlah Kewajiban 1,295,886,870
Aktiva Valas Likuid 50,275,450
Aktiva Valas Lain-Lain 63,574,500 Ekuitas
Penyertaan 2,750,000 Modal Disetor 90,000,000
Benda Tetap & Inventaris 25,750,000 Cadangan Umum 12,750,500
Aktiva Lain-Lain 30,254,200 Laba Yang Ditahan 35,196,430
Jumlah Ekuitas 137,946,930
Jumlah Aktiva 1,433,833,800 Jumlah Kewajiban dan Ekuitas 1,433,833,800
Kolektibility Giro pada Bank

Lain + Wesel dan Tagihan 59,246,580
BANK ICB Bumiputera Tbk
LAPORAN LABA RUGI
Tahun berakhir 31 Desember 20X1
A PENDAPATAN
1 Pendapatan Usaha Bank
- Hasil Bunga 200,854,780
- Provisi dan Komisi 9,752,500 *)
- Pendapatan karena Transaksi Devisa 12,545,450
- Pendapatan Lain-Lain 2,250,000
2 Pendapatan Bukan Usaha Bank 1,052,500
Jumlah Pendapatan 226,455,230
B BIAYA
1 Biaya Usaha Bank
- Biaya Bunga dan Provisi 109,875,050
- Biaya karena Transaksi Devisa 1,759,050
- Biaya Tenaga Kerja 23,541,000
- Penyusutan 12,750,000
- Biaya Lain-Lain 23,578,000
2 Biaya Bukan Usaha Bank 457,850
Jumlah Biaya 171,960,950
Laba Sebelum Pajak 54,494,280

Pajak 30% 16,348,284
Laba Setelah Pajak 38,145,996
Sisa Laba Tahun Lalu 12,756,890
Jumlah 50,902,886
*) Provisi Kredit 4,257,600

RASIO LIKUIDITAS
1 QUICK RATIO
Cash Assets
Kas 16,580,000
Giro pada Bank Sentral 108,750,000
Giro pada Bank Lain 8,754,500
Aktiva Valas Likuid 50,275,450
Total Cash Assets 184,359,950
Deposito
Giro 302,575,250
Tabungan 159,875,250
Simpanan Berjangka 598,575,025
Total Deposito 1,061,025,525
QUICK RATIO
CASH ASSETS 184,359,950

= 1,061,025,525 = 0.1738
DEPOSIT
2 INVESTING POLICY RATIO

Surat Berharga
15,000,000
Deposito 1,061,025,525
INVESTING POLICY RATIO
SURAT BERHARGA 15,000,000

= 1,061,025,525 = 0.0141
DEPOSITO
3 BANKING RATIO
Pinjaman yang diberikan
953,895,150
Deposito 1,061,025,525
BANKING RATIO
PINJAMAN 953,895,150
= = 0.8990
DEPOSITO 1,061,025,525
4 LOAN TO ASSETS RATIO

Pinjaman yang diberikan 953,895,150
Total Aktiva 1,433,833,800
LOAN TO ASSETS RATIO
PINJAMAN 953,895,150
= 1,433,833,800 = 0.6653
TOTAL AKTIVA
5 CASH RATIO
Cash Assets 184,359,950
Pinjaman yg harus segera dibayar
Giro 302,575,250
Pinjaman Rupiah 59,875,025
Pinjaman Valas 7,548,520
Jumlah 369,998,795
CASH RATIO

= = 0.4983
PINJAMAN YG HRS SGR DIBAYAR 369,998,795
RASIO RISIKO USAHA
1 CREDIT RISK RATIO
Bad Debt 59,246,580
Total Loan (jumlah pinjaman) 953,895,150
CREDIT RISK RATIO
BAD DEBT 59,246,580

= = 0.062
TOTAL LOAN 953,895,150
2 LIQUIDITY RISK
Liquid Assets 184,359,950
Short Term Borrowing (pinjaman yg hrs segera di bayar) 369,998,795
Total Deposit 1,061,025,525
LIQUIDITY RISK
LIQUID ASSETS - SHORT TERM BORROWING (185,638,845)

= 1,061,025,525 = negatif
TOTAL DEPOSIT
3 CAPITAL RISK
Equity Capital 137,946,930
Risk Assets
Total Assets (aktiva) 1,433,833,800
Cash (kas) 16,580,000
Securities (surat berharga) 15,000,000
Risk Assets 1,402,253,800
CAPITAL RISK
EQUITY CAPITAL 137,946,930

= 1,402,253,800 = 0.098
RISK ASSETS
4 DEPOSIT RISK RATIO

Total Deposit 1,061,025,525
DEPOSIT RISK RATIO

= 1,061,025,525 = 0.130
TOTAL DEPOSIT
5 INTEREST RATE RISK RATIO

Interest Sensitivity Assets (Interest Income) 200,854,780
Interest Sensitivity Liabilities (Interest Expense) 109,875,050
INTEREST RATE RISK RATIO
INTEREST SENSITIVITY ASSETS 200,854,780

INTEREST SENSITIVITY LIABILITIES = = 1.828
109,875,050
RASIO PERMODALAN
1 PRIMARY RATIO
Equity Capital (ekuitas) 137,946,930
Total Assets (total aktiva) 1,433,833,800
PRIMARY RATIO

= 1,433,833,800 = 0.09621
TOTAL ASSETS
2 CAPITAL RATIO 1
Total Loan (pinjaman yang diberikan) 953,895,150
CAPITAL RATIO 1

= = 0.14461
TOTAL LOAN 953,895,150
3 CAPITAL RATIO 2
Reserve for Loan Losses (cadangan debitur) (21,525,850)
CAPITAL RATIO 2
EQUITY CAPITAL - RESERVE FOR LOAN LOSSES 159,472,780

= 953,895,150 = 0.16718
TOTAL LOAN
4 CAPITAL ADEQUACY RATIO 1

Fixed Assets (aktiva tetap) 25,750,000
Estimated Risk in Loans and Securities 59,246,580
CAPITAL ADEQUACY RATIO 1
EQUITY CAPITAL - FIXED ASSETS 112,196,930

= 59,246,580 = 1.89373
ESTIMATED RISK IN LOAN AND SECURITIES

Fixed Assets (aktiva tetap) 25,750,000

= 968,895,150 = 0.11580
TOTAL LOAN + SECURITIES


= 968,895,150 = 0.14238
TOTAL LOAN + SECURITIES
RASIO EFISIENSI USAHA
1 LEVERAGE MULTIPLIER
Total Equity Capital (ekuitas) 137,946,930
LEVERAGE MULTIPLIER
TOTAL ASSETS 1,433,833,800

= 137,946,930 = 10.394
TOTAL EQUITY CAPITAL
2 ASSETS UTILIZATION
Total Income
Operating Income (pendapatan usaha bank) 225,402,730
Non Operating Income (pendapatan bukan usaha bank) 1,052,500
Total Income 226,455,230
ASSETS UTILIZATION
TOTAL INCOME 225,402,730

= 1,433,833,800 = 0.157
TOTAL ASSETS
3 PROVISION FOR LOAN LOSSES RATIO

Reserve for Loan Losses (cadangan debitur) 21,525,850
Loan (Net) - pinjaman yang diberikan (bersih) 953,895,150
(Gross) - pinjaman yang diberikan (kotor) 975,421,000
PROVISION FOR LOAN LOSSES RATIO 1
RESERVE FOR TOTAL LOAN LOSSES 21,525,850

= 975,421,000 = 0.022
TOTAL LOANS

= 953,895,150 = 0.023
TOTAL LOANS
4 INTEREST EXPENSE RATIO

Interest Paid/Expense (biaya bunga dan provisi) 109,875,050
Deposit (deposito) 1,061,025,525
INTEREST EXPENSE RATIO
INTEREST PAID/EXPENSE 109,875,050

= 1,061,025,525 = 0.104
DEPOSIT
5 COST OF FUND
Total Fund 1
Total Liabilities 1,433,833,800
Total Fund 1 1,295,886,870
Total Fund 2 1,433,833,800
COST OF FUND 1

= 1,295,886,870 = 0.085
TOTAL LIABILITIES - EQUITY CAPITAL
COST OF FUND2

= 1,433,833,800 = 0.077
TOTAL LIABILITIES
6 COST OF MONEY
Interest Expense (biaya bunga dan provisi) 109,875,050
Overhead Expense
Biaya Tenaga Kerja 23,541,000
Penyusutan 12,750,000
Lain-lain 23,578,000
Overhead Expense 59,869,000
Total Fund 1 1,295,886,870
COST OF MONEY
INTEREST EXPENSE + OVERHEAD EXPENSE 169,744,050

= 1,295,886,870 = 0.131
TOTAL FUND 1
7 COST OF LOANABLE FUND

Interest Expense 109,875,050
Total Fund 1 1,295,886,870
Un loanable fund
Kas 16,580,000
Benda Tetap & Inventaris 25,750,000
Aktiva Lain-Lain 30,254,200
Un loanable fund 72,584,200
COST OF LOANABLE FUND
INTEREST EXPENSE 109,875,050

= 1,223,302,670 = 0.090
TOTAL FUND 1 - UN LOANABLE FUND
8 COST OF BORROWING FUND

Overhead Expense 59,869,000
Total fund - idle fund - unloanable fund
Surat Berharga 15,000,000
Aktiva Valas Lain-lain 63,574,500
Penyertaan 2,750,000
Total fund - idle fund - unloanable fund 1,057,719,650
COST OF BORROWING FUND

= 1,057,719,650 = 0.160
TOTAL FUND - IDLE FUND - UNLOANABLE FUND
9 COST OF EFFICIENCY RATIO (CER)
A COST OF EFFICIENCY RATIO 1

PROVISION FOR LOAN LOSSES 21,525,850
= 226,455,230 = 0.095
REVENUE
B COST OF EFFICIENCY RATIO 2
SALARIES & BENEFIT EXPENSE 23,541,000

= 226,455,230 = 0.104
REVENUE
C COST OF EFFICIENCY RATIO 3
TOTAL EXPENSE 171,960,950

= 1,057,719,650 = 0.163
EARNING ASSETS
PROFIT SENSITIVITY ANALYSIS
1 RETURN ON TOTAL ASSETS (RTA)
Earning before interest and taxes
Earning (laba setelah pajak) 38,145,996
Taxes (pajak) 16,348,284
Interest (biaya bunga dan provisi) 109,875,050
EBIT 164,369,330
Total Assets 1,433,833,800
RETURN ON TOTAL ASSETS (RTA)
EBIT 164,369,330
= 1,433,833,800 = 0.11463625
TOTAL ASSETS
2 LEVERAGE MANAGEMENT
1,295,886,870
TOTAL DEBT = 137,946,930 = 9.39409721
TOTAL EQUITY
3 COST OF DEBT
109,875,050
TOTAL INTEREST EXPENSE =
= 0.08478753
TOTAL DEBT 1,295,886,870
4 SPREAD MANAGEMENT
RTA - COST OF DEBT = 0.114636 - 0.084788 = 0.029849
5 DEBT MANAGEMENT
COST OF DEBT x SPREAD MANAGEMENT = 0.084788 x 0.029849 = 0.002531
6 RETURN ON EQUITY
RTA + (LEVERAGE MANAGEMENT x RTA) = 1.191540 = 1.2

RASIO LIKUIDITAS
1 QUICK RATIO
Cash Assets
Kas 1,888,527
Giro pada Bank Sentral 2,843,785
Giro pada Bank Lain 59,575
Aktiva Valas Likuid 0
Total Cash Assets 4,791,887
Deposito
Giro 4,051,473
Tabungan 30,788
Simpanan Berjangka 0
Total Deposito 4,082,261
QUICK RATIO
= = 1.1738
DEPOSIT 4,082,261
2 INVESTING POLICY RATIO

Deposito 4,082,261
INVESTING POLICY RATIO
SURAT BERHARGA 3,361,537

= = 0.8234
DEPOSITO 4,082,261
3 BANKING RATIO
Pinjaman yang diberikan Deposito 0
4,082,261
BANKING RATIO
PINJAMAN 0
= = 0.0000
DEPOSITO 4,082,261
4 LOAN TO ASSETS RATIO

Pinjaman yang diberikan 4,694,580,210
Total Aktiva 38,002,458
LOAN TO ASSETS RATIO
PINJAMAN 4,694,580,210
= = 123.5336
TOTAL AKTIVA 38,002,458
5 CASH RATIO
Cash Assets 4,791,887
Pinjaman yg harus segera dibayar Giro
Pinjaman Rupiah Pinjaman
Valas 1,885,657
Jumlah 0
1,885,657
CASH RATIO
CASH ASSETS
= = 2.5412
PINJAMAN YG HRS SGR DIBAYAR 4,791,887
1,885,657
RASIO RENTABILITAS
1 GROSS PROFIT MARGIN
Operating Income
Jumlah Pendapatan 325,195
Pendapatan Bukan Usaha Bank 83,244
Pendapatan Usaha Bank 241,951
Operating Expense
Jumlah Biaya 229,130
Biaya Bukan Usaha Bank 0
Biaya Usaha Bank 229,130
GROSS PROFIT MARGIN

OPERATING INCOME - OPERATING EXPENSE 12,821
= =
OPERATING INCOME 241,951
2 NET PROFIT MARGIN

Net Income (laba setelah pajak) 11,714
Operating Income (pendapatan usaha bank) #REF!
NET PROFIT MARGIN

NET INCOME 11,714
= =
OPERATING INCOME #REF!
3 RETURN ON EQUITY
Capital
Net Income (laba setelah pajak) 11,714
Modal Disetor 509,368
Cadangan Umum Laba 865,762
Yang Ditahan
Jumlah Equity Capital 1,375,130
RETURN ON EQUITY
NET INCOME 11,714
= =
4 RETURN ON TOTAL ASSETS

Operating Income (pendapatan usaha bank) 241,951
Total Assets (total aktiva) 38,002,458
RETURN ON TOTAL ASSETS

OPERATING INCOME 241,951
= =
TOTAL ASSETS 38,002,458
5 NET INCOME ON TOTAL ASSETS
Net Income (pendapatan bersih) Total 1,247,248
Assets (total aktiva) 0
NET INCOME ON TOTAL ASSETS

NET INCOME 1,247,248
= =
TOTAL ASSETS 0
6 RATE OF RETURN ON LOAN

Interest & Fees
Interest (pendapatan bunga) 325,195
Fees (provisi kredit) 26,788
351,983
Total Loan (pinjaman yang diberikan) 4,694,580,210
RATE OF RETURN ON LOAN

INTEREST & FEES 351,983
= =
TOTAL LOAN 4,694,580,210
7 INTEREST MARGIN ON EARNING ASSETS

Interest Income (hasil/pendapatan bunga) Interest
Expense (biaya bunga dan provisi)
Earning Assets
Surat Berharga Simpanan
Berjangka Pinjaman yang
diberikan Aktiva Valas
Lain-Lain Penyertaan
Total Earning Assets
INTEREST MARGIN ON EARNING ASSETS

INTEREST INCOME - INTEREST EXPENSE
= =
TOTAL EARNING ASSETS
5.30%
#REF!
0.85%
0.64%
#DIV/0!
0.01%
RASIO RISIKO USAHA
1 CREDIT RISK RATIO
Bad Debt 66,110,286
Total Loan (jumlah pinjaman) 4,694,580,210
CREDIT RISK RATIO
BAD DEBT 66,110,286

= =
TOTAL LOAN 4,694,580,210
2 LIQUIDITY RISK
Liquid Assets 4,791,887
Short Term Borrowing (pinjaman yg hrs segera di bayar) Total 0
Deposito 4,082,261
LIQUIDITY RISK
LIQUID ASSETS - SHORT TERM BORROWING 4,791,887

= =
TOTAL DEPOSIT 4,082,261
3 CAPITAL RISK
Risk Assets
Total Assets (aktiva) 38,002,458
Cash (kas) 1,888,527
32,769,821
CAPITAL RISK

= =
RISK ASSETS 32,769,821
4 DEPOSIT RISK RATIO

Total Deposito 4,082,261
DEPOSIT RISK RATIO

= =
TOTAL DEPOSIT 4,082,261
5 INTEREST RATE RISK RATIO

Interest Sensitivity Assets (Interest Income) 37,998,046
Interest Sensitivity Liabilities ( Interest Expense) 5,441,131
INTEREST RATE RISK RATIO
INTEREST SENSITIVITY ASSETS 37,998,046

= =
INTEREST SENSITIVITY LIABILITIES 5,441,131
0.014
1.174
0.042
0.337
6.983
RASIO PERMODALAN
1 PRIMARY RATIO
Total Assets (total aktiva) 38,002,458
PRIMARY RATIO

= =
2 CAPITAL RATIO 1
CAPITAL RATIO 1

= =
TOTAL LOAN 4,694,580,210
3 CAPITAL RATIO 2
CAPITAL RATIO 2
EQUITY CAPITAL - RESERVE FOR LOAN LOSSES (2,384,750)

= =
TOTAL LOAN 4,694,580,210

Equity Capital (ekuitas) Fixed 1,375,130
Assets (aktiva tetap) Estimated 0
Risk in Loans 59,575

= =
ESTIMATED RISK IN LOAN AND SECURITIES 59,575

Equity Capital (ekuitas) Fixed 1,375,130
Assets (aktiva tetap) 0

= =
TOTAL LOAN + SECURITIES 4,697,924,320


= =
TOTAL LOAN + SECURITIES 4,697,924,320
0.03619
0.00029
-0.00051
23.08233
0.00029
0.00029
RASIO EFISIENSI USAHA
1 LEVERAGE MULTIPLIER
Total Assets (aktiva)
Total Equity Capital (ekuitas)
LEVERAGE MULTIPLIER
TOTAL ASSETS
=
TOTAL EQUITY CAPITAL
2 ASSETS UTILIZATION
Total Income
Non Operating Income (pendapatan bukan usaha bank) 24,490
1,877,980
Total Assets (aktiva) 38,002,458
ASSETS UTILIZATION
TOTAL INCOME 1,877,980

=
TOTAL ASSET 38,002,458
3 PROVISION FOR LOAN LOSSES RATIO

Loan (Net) - pinjaman yang diberikan (bersih) 4,690,820,330
(Gross) - pinjaman yang diberikan (kotor) 4,694,580,210

=
TOTAL LOANS 4,694,580,210

=
TOTAL LOANS 4,690,820,330
4 INTEREST EXPENSE RATIO

Interest Paid/Expense (biaya bunga dan provisi) Deposit 4,011,782
(deposito) 4,082,261
INTEREST EXPENSE RATIO

=
DEPOSIT 4,082,261
5 COST OF FUND
Total Fund 1
Total Liabilities Equity Capital 31,843,089
1,375,130
30,467,959
Total Fund 2
31,843,089
COST OF FUND 1

=
TOTAL LIABILITIES - EQUITY CAPITAL 30,467,959
COST OF FUND2

=
TOTAL LIABILITIES 31,843,089
6 COST OF MONEY
Interest Expense (biaya bunga dan provisi) Overhead 4,011,782
Expense
Biaya Tenaga Kerja 286,724
Penyusutan 307,762
Rupa-rupa 10,800
605,286
Total Fund 1 30,467,959
COST OF MONEY

=
TOTAL FUND 1 30,467,959
7 COST OF LOANABLE FUND

Interest Expense Total 4,011,782
Fund 1 30,467,959
Un loanable fund Kas
Benda Tetap & Inventaris 1,888,527
Aktiva Lain-Lain 0
49,319
1,937,846
COST OF LOANABLE FUND

INTEREST EXPENSE 4,011,782
=
TOTAL FUND 1 - UN LOANABLE FUND 28,530,113
8 COST OF BORROWING FUND

Overhead Expense 605,286
Pinjaman yang diberikan 4,694,580,210
Aktiva Valas Lain-lain 49,319
Penyertaan 0
4,728,185,874
COST OF BORROWING FUND

=
TOTAL FUND - IDLE FUND - UNLOANABLE FUND 4,728,185,874
9 COST OF EFFICIENCY RATIO (CER)
A COST OF EFFICIENCY RATIO 1

Provision for loan losses 3,759,880
Revenue 241,951
COST OF EFFICIENCY RATIO 1
PROVISION FOR LOAN LOSSES 3,759,880

=
REVENUE 241,951
B COST OF EFFICIENCY RATIO 2

Salaries & Benefit Expense Revenue #REF!
241,951
SALARIES & BENEFIT EXPENSE #REF!

=
REVENUE 241,951
C COST OF EFFICIENCY RATIO 3

Total Expense Earning 229,130
Adequacy 4,697,973,639
TOTAL EXPENSE 229,130

=
EARNING ASSETS 4,697,973,639
=
= 0.049
= 0.001
= 0.001
= 0.983
= 0.132
= 0.126
= 0.152
= 0.141
= 0.001
= 15.540
= #REF!
= 0.000
PROFIT SENSITIVITY ANALYSIS
1 RETURN ON TOTAL ASSETS (RTA)
Earning before interest and taxes Earning (laba setelah pajak) Taxes (pajak)
Interest (biaya bunga dan provisi) 1,375,836
4,209
EBIT
4,011,782
Total Assets
5,391,827
RETURN ON TOTAL ASSETS (RTA) 38,002,458
EBIT 5,391,827
= = 0.141881
2 LEVERAGE MANAGEMENT
Total Debt (5,871,062)
Total Equity 6,043,635
LEVERAGE MANAGEMENT
TOTAL DEBT (5,871,062)

= = (0.97)
TOTAL EQUITY 6,043,635
3 COST OF DEBT
Total Interest Expense Total 0
Debt (5,871,062)
COST OF DEBT
TOTAL INTEREST EXPENSE 0

= = 0
TOTAL DEBT (5,871,062)
4 SPREAD MANAGEMENT
RTA 0.141881
Cost of Debt 0.000000
SPREAD MANAGEMENT
RTA - COST OF DEBT = 0.141881 - 0.000000
5 DEBT MANAGEMENT
Cost of Debt 0.000000
Spread Management 0.141881
DEBT MANAGEMENT
COST OF DEBT x SPREAD MANAGEMENT = 0.000000 x 0.141881
6 RETURN ON EQUITY
Return on Total Assets (RTA) 0.1418810
Leverage Management (0.97)
RETURN ON EQUITY
RTA + (LEVERAGE MANAGEMENT x RTA) = 0.004051 = 0.0
= 0.141881
= 0.000000
Daftar Bank
No. Kode Bank
1 AGRO
2 AGRS
3 ARTO
4 BABP
5 BACA
6 BBCA
7 BBHI
8 BBKP
9 BBMD
10 BBNI
11 BBRI
12 BBTN
13 BBYB
14 BCIC
15 BDMN
16 BEKS
17 BGTG
18 BINA
19 BJBR
20 BJTM
21 BKSW
22 BMAS
23 BMRI
24 BNBA
25 BNGA
26 BNII
27 BNLI
28 BRIS
29 BSIM
30 BSWD
31 BTPN
32 BTPS
33 BVIC
34 DNAR
35 INPC
36 MAYA
37 MCOR
38 MEGA
39 NISP
40 NOBU
41 PNBN
42 PNBS
43 SDRA
RASIO RENTABILITAS
1 GROSS PROFIT MARGIN
Operating Income
Jumlah Pendapatan 226,455,230
Pendapatan Bukan Usaha Bank 1,052,500
Pendapatan Usaha Bank 225,402,730
Operating Expense
Jumlah Biaya 171,960,950
Biaya Bukan Usaha Bank 457,850
Biaya Usaha Bank 171,503,100
GROSS PROFIT MARGIN
OPERATING INCOME - OPERATING EXPENSE 53,899,630

= 225,402,730 = 23.91%
OPERATING INCOME
2 NET PROFIT MARGIN

Net Income (laba setelah pajak) 38,145,996
NET PROFIT MARGIN

= 225,402,730 = 16.92%
OPERATING INCOME
3 RETURN ON EQUITY
Capital
Net Income (laba setelah pajak) 38,145,996
Modal Disetor 90,000,000
Cadangan Umum 12,750,500
Laba Yang Ditahan 35,196,430
Jumlah Equity Capital 137,946,930
RETURN ON EQUITY

= 137,946,930 = 27.65%
EQUITY CAPITAL
4 RETURN ON TOTAL ASSETS

RETURN ON TOTAL ASSETS
OPERATING INCOME 225,402,730

= 1,433,833,800 = 15.72%
TOTAL ASSETS
5 NET INCOME ON TOTAL ASSETS
Net Income (pendapatan bersih) 38,145,996
NET INCOME ON TOTAL ASSETS
38,145,996
NET INCOME = 1,433,833,800 = 2.66%
TOTAL ASSETS
6 RATE OF RETURN ON LOAN

Interest & Fees
Interest (pendapatan bunga) 200,854,780
Fees (provisi kredit) 4,257,600
Total Interest & Fees 205,112,380
RATE OF RETURN ON LOAN
INTEREST & FEES 205,112,380

= 953,895,150 = 21.50%
TOTAL LOAN
7 INTEREST MARGIN ON EARNING ASSETS

Interest Income (hasil/pendapatan bunga) 200,854,780
Interest Expense (biaya bunga dan provisi) 109,875,050
Earning Assets
Aktiva Valas Lain-Lain 63,574,500
Penyertaan 2,750,000
Total Earning Assets 1,057,719,650
INTEREST MARGIN ON EARNING ASSETS
INTEREST INCOME - INTEREST EXPENSE 90,979,730 =

= 8.60%
TOTAL EARNING ASSETS 1,057,719,650
Profil Rasio Keuangan Bank Agro Tahun 2014-2022
No. Jenis Rasio 2014 2015
I RASIO LIKUIDITAS
1 Quick Ratio (%) 117.38 25.99
2 Investing Policy Ratio (%) 82.34 2.63
3 Banking Ratio (%0 0.00 0.00
4 Loan to Assets Ratio (%) 12,353.36 14,091.65
5 Cash Ratio (%) 254.12 263.25
II RASIO RENTABILITAS
1 Gross Profit Margin 5.30 -83.16
2 Net Profit Margin #REF! 0.11
3 Return on Equity 1,375,130.00 1,680,332.00
4 Return on Total Assets 0.64 0.44
5 Net Income on Total Assets #DIV/0! 3.94
6 Rate of Return on Loan 0.01 0.01
III RASIO RISIKO USAHA
1 Credit Risk Ratio 1.41 6.71
2 Liquidity Risk 117.38 25.99
3 Capital Risk 4.20 4.76
4 Deposit Risk Ratio 33.69 7.87
5 Interest Rate Risk Ratio 698.35 1,172.65
IV RASIO PERMODALAN
1 Primary Ratio 3.62 3.92
2 Capital Ratio 1 0.03 0.03
3 Capital Ratio 2 -0.05 -0.04
4 Capital Adequacy Ratio 1 2,308.23 1,784.93
5 Capital Adequacy Ratio 2 0.03 0.03
6 Capital Adequacy Ratio 3 0.03 0.03
V RASIO EFISIENSI USAHA
1 Assets Utilization 4.94 0.16
2 Provision for Loan Losses Ratio 1 0.08 0.06
3 Provision for Loan Losses Ratio 2 0.08 0.06
4 Interest Expense Ratio 98.27 21.85
5 Cost of Fund 1 104.51 104.83
6 Cost of Fund 2 12.60 12.79
7 Cost of Money 15.15 15.29
8 Cost of Loanable Fund 16.81 16.69
9 Cost of Borrowing Fund 0.10 0.09
10 Cost of Efficiency Ratio 1 1,553.98 2,096.79
11 Cost of Efficiency Ratio 2 #REF! 156.62
12 Cost of Efficiency Ratio 3 0.00 0.01
VI PROFIT SENSITIVITY ANALYSIS
1 Return on Total Assets (RTA) 14.19 13.84
2 Leverage Management -97.14 -93.83
3 Cost of Debt 0.00 -79.02
4 Spread Management 114.19 113.84
5 Debt Management 6,267,040,000.00 6,884,030,000.00
6 Return on Equity 23.61 24.10
2016 2017 2018 2019
110.71 110.49 48.93 18.88

92.14 97.99 62.79 21.14
0.00 0.00 0.00 0.00
19,092.13 212,912.19 25,236.37 25,531.62
251.95 321.68 321.37 318.74
-49.98 -37.95 -7.37 13.92

1.00 0.43 0.06 0.82
1,930,055.00 2,337,801.00 2,837,725.00 3,422,318.00
0.57 4.64 0.46 0.44
4.93 48.55 3.60 3.15
0.00 0.00 0.00 0.00
2.40 1.01 8.26 1.73

110.71 110.49 48.93 18.88
5.13 -185.81 5.42 5.38
49.69 48.21 22.81 7.53
120.13 117.88 11.56 113.32
4.50 45.33 4.57 4.51

0.02 0.02 0.02 0.02
-0.01 -0.17 0.00 0.00
2,252.26 3,499.13 2,899.42 3,069.92
0.02 0.02 0.02 0.02
0.02 0.02 0.02 0.02
0.33 2.62 0.17 0.15

0.03 0.19 0.02 0.02
0.03 0.19 0.02 0.02
126.68 101.97 41.20 12.76
100.54 105.67 106.97 105.43
1.38 11.35 11.77 8.72
1.59 14.06 14.87 10.79
1.41 -13.63 15.48 10.64
0.07 0.05 0.04 0.03
1,068.98 8,872.74 986.87 1,160.81
129.02 151.62 138.74 130.70
0.00 0.00 0.00 0.00
14.89 127.69 11.09 10.19

-90.96 -99.12 539.96 635.16
-75.04 -6.39 11.21 9.93
114.89 227.69 111.09 110.19
12,802,090,000.00 14,026,410,000.00 13,853,300,000.00 15,218,760,000.00
25.05 135.78 17.80 16.62
2020 2021 2022 Rata-Rata Pertumbuhan
14.79 22.02 28.07 55.25 23.18

34.13 64.84 50.24 56.47 417.19
0.00 0.00 0.00 0.00 #DIV/0!
25,696.53 16,550.49 7,595.37 39,895.52 111.09
260.47 555.86 671.87 357.70 17.76
-600.08 82.86 72.60 -67.10 -830.04

34.41 1.83 6.69 #REF! #REF!
4,079,057.00 4,834,511.00 5,575,124.00 3,119,117.00 19.15
0.04 1.12 0.59 0.99 372.95
4.05 5.47 3.00 #DIV/0! #DIV/0!
0.00 0.06 0.10 0.02 703.20
1.83 2.27 3.68 3.26 123.55

14.79 22.02 28.07 55.25 23.18
6.95 13.53 7.24 -14.80 -465.66
9.42 9.64 11.96 22.31 47.97
0.00 114.53 114.84 273.70 #DIV/0!
5.38 6.89 5.45 9.35 108.08

0.02 0.04 0.07 0.03 17.81
#DIV/0! 0.01 0.03 #DIV/0! #DIV/0!
1,715.94 2,283.87 1,839.19 2,405.88 2.14
0.02 0.04 0.07 0.03 17.75
0.02 0.04 0.07 0.03 17.75
0.19 0.04 -1.75 0.76 -443.24

0.00 0.03 0.04 0.05 105.91
0.00 0.03 0.04 0.05 106.05
13.73 12.81 0.24 47.73 19.57
105.87 106.02 106.80 105.18 0.30
8.09 7.55 0.13 8.26 62.79
10.24 9.55 1.78 10.37 72.45
9.47 8.91 0.15 7.33 -189.64
0.04 0.07 0.02 0.06 -9.91
2,697.76 406.34 558.95 2,155.91 91.21
1,488.62 61.12 85.64 #REF! #REF!
0.00 0.00 0.00 0.00 -4.23
9.92 9.25 0.19 23.47 69.52

9,097.97 706.08 683.83 1,253.55 76.54
0.84 8.34 0.14 -14.44 #DIV/0!
109.92 100.00 100.00 122.42 4.69
17,839,600,000.00 18,335,210,000.00 20,864,850,000.00 14,010,143,333.33 18.47
17.47 0.00 0.00 28.94 #DIV/0!
Perkembangan Quick Ratio (%) Bank BABP
Komponen 2014 2015 2016 2017 2018
Cash Assets
Kas 1,888,527 2,112,006 1,709,884 1,673,588 1,913,960
Giro pada Bank Sentral 2,843,785 3,345,232 2,504,680 3,617,670 4,075,938
Giro pada Bank Lain 59,575 94,140 85,694 66,811 97,872
Aktiva Valas Likuid
Total Cash Assets 4,791,887 5,551,378 4,300,258 5,358,069 6,087,770
Deposito
Giro 4,051,473 8,651,231 3,858,401 4,843,473 12,361,096
Tabungan 30,788 12,706,408 26,028 5,787 81,091
Simpanan Berjangka
Total Deposito 4,082,261 21,357,639 3,884,429 4,849,260 12,442,187
Quick Ratio (%) 117.38 25.99 110.71 110.49 48.93
Catatan
1. Nama rasio Link dari sheet Rangkuman
2. Nama bank, link dari Kode
2019 2020 2021 2022 Rata-rata Pertumbuhan
2,729,776 2,511,548 2,023,077 1,988,262 2061180.9 2.3

5,734,527 3,659,968 8,805,300 10,786,740 5041537.8 27.2
111,479 237,715 211,681 303,129 140899.6 29.1
#DIV/0! #DIV/0!
8,575,782 6,409,231 11,040,058 13,078,131 7243618.2222 17.23
23,721,437 21,039,158 25,862,874 23,477,047 14207354.4 41.6

21,699,322 22,285,619 24,264,622 23,118,307 11579774.7 8620.1
#DIV/0! #DIV/0!
45,420,759 43,324,777 50,127,496 46,595,354 25787129.1111 98.99
18.88 14.79 22.02 28.07 55.2519 23.18
Perkembangan Investing Policy Ratio (%) Bank BJTM
Komponen 2014 2015 2016 2017
Surat Berharga
Surat Berharga 3,344,110 5,502,076 3,528,397 4,742,414
Tagihan Derevatif 17,427 19,088 50,665 9,516
Total Surat Berharga 3,361,537 2 3,579,062 4,751,930
Deposito
Giro 4,051,473 8,651,231 3,858,401 4,843,473
Tabungan 30,788 12,706,408 26,028 5,787
Simpanan Berjangka
Total Deposito 4,082,261 76 3,884,429 4,849,260
Investing Policy Ratio (%) 82.34 2.63 92.14 97.99
Catatan
2018 2019 2020 2021 2022 Rata-rata Pertumbuhan
7,791,958 9,568,245 14,666,737 32,388,966 23,217,671 11638952.7 37.0

20,601 31,920 119,779 116,119 194,150 64362.8 75.6
7,812,559 9,600,165 14,786,516 32,505,085 23,411,821 11089853.0000 22,369,145.74
12,361,096 23,721,437 21,039,158 25,862,874 23,477,047 14207354.4 41.65

81,091 21,699,322 22,285,619 24,264,622 23,118,307 11579774.7 8,620.05
#DIV/0! #DIV/0!
12,442,187 45,420,759 43,324,777 50,127,496 46,595,354 23414066.5556 638,917.66
62.79 21.14 34.13 64.84 50.24 56.4727 417.19
Perkembangan Banking Ratio (%0 Bank BJTM
Komponen 2014 2015 2016 2017
Pinjaman yang diberikan 4,694,580,210 6,044,521,633 8,179,753,799 10,981,623,081
Total Pinjaman yang diberikan 0 0 0
Deposito
Giro 4,051,473 8,651,231 3,858,401 4,843,473
Tabungan 30,788 12,706,408 26,028 5,787
Simpanan Berjangka
Total Deposito 4,082,261 21,357,639 3,884,429 4,849,260
Banking Ratio (%0 0.00 0.00 0.00 0.00
Catatan
2018 2019 2020 2021 2022 Rata-rata
15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 #DIV/0!

0 0 0 0 0 0.0000
12,361,096 23,721,437 21,039,158 25,862,874 23,477,047 14207354.4

81,091 21,699,322 22,285,619 24,264,622 23,118,307 11579774.7
#DIV/0!
12,442,187 45,420,759 43,324,777 50,127,496 46,595,354 25787129.1111
0.00 0.00 0.00 0.00 0.00 0.0000
Pertumbuhan
#DIV/0!
#DIV/0!
41.65
8,620.05
#DIV/0!
98.99
#DIV/0!
Perkembangan Loan to Assets Ratio (%) Bank BJTM
Komponen 2014 2015 2016
Pinjaman yang diberikan 4,694,580,210 6,044,521,633 8,179,753,799
Total Pinjaman yang diberikan 4,694,580,210 6,044,521,633 8,179,753,799
Aktiva
Aktiva 38,002,458 42,894,354 42,843,596
Total Aktiva 38,002,458 42,894,354 42,843,596
Loan to Assets Ratio (%) 12,353.36 14,091.65 19,092.13
Catatan
2017 2018 2019 2020 2021 2022
10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001

10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001
5,157,818 62,096,233 75,851,992 75,854,347 70,138,887 102,254,977

5,157,818 62,096,233 75,851,992 75,854,347 70,138,887 102,254,977
212,912.19 25,236.37 25,531.62 25,696.53 16,550.49 7,595.37
Rata-rata Pertumbuhan
11533829090.6 11.5
11533829090.5556 11.47
57232740.2 136.14
57232740.2222 136.14
39895.5219 111.09
Perkembangan Cash Ratio (%) Bank BJTM
Komponen 2014 2015 2016 2017
Cash Assets
Kas 1,888,527 2,112,006 1,709,884 1,673,588
Giro pada Bank Sentral 2,843,785 3,345,232 2,504,680 3,617,670
Giro pada Bank Lain 59,575 94,140 85,694 66,811
Aktiva Valas Likuid
Total Cash Assets 4,791,887 5,551,378 4,300,258 5,358,069
Pinjaman segera di bayar
Rupiah 1,885,657 2,108,790 1,706,795 1,665,668
Valas
Total Pinjaman segera di bayar 1,885,657 2,108,790 1,706,795 1,665,668
Cash Ratio (%) 254.12 263.25 251.95 321.68
Catatan
2018 2019 2020 2021 2022 Rata-rata
1,913,960 2,729,776 2,511,548 2,023,077 1,988,262 2061180.9

4,075,938 5,734,527 3,659,968 8,805,300 10,786,740 5041537.8
97,872 111,479 237,715 211,681 303,129 140899.6
#DIV/0!
6,087,770 8,575,782 6,409,231 11,040,058 13,078,131 7243618.2222
1,894,326 2,690,546 2,460,657 1,986,107 1,946,513 2038339.9

#DIV/0!
1,894,326 2,690,546 2,460,657 1,986,107 1,946,513 2038339.8889
321.37 318.74 260.47 555.86 671.87 357.7014
Pertumbuhan
2.3
27.2
29.1
#DIV/0!
17.23
2.0
#DIV/0!
2.04
17.76
Perkembangan Net Profit Margin Bank BJTM
Komponen 2015 2016 2017 2018
Net Income (laba setelah pajak)
Net Income (laba setelah pajak) 11,714 200 2,428 1,035 181
Total Net Income (laba setelah pajak) 11,714 200 2,428 1,035 181
Operating Income
Jumlah Pendapatan 325,195 266,705 316,640 316,640 373,341
Pendapatan Bukan Usaha Bank 83,244 79,586 72,881 77,215 86,097
Total Operating Income #REF! 187,119 243,759 239,425 287,244
Net Profit Margin #REF! 0.11 1.00 0.43 0.06
Catatan
2,720 11,204 14,349 40,670 9389.0 350.3

2,720 11,204 14,349 40,670 9389.0000 350.25
416,420 55,520 793,900 646,125 390054.0 #REF!

84,732 22,962 10,816 37,924 61717.4 16.0
331,688 32,558 783,084 608,201 #REF! #REF!
0.82 34.41 1.83 6.69 #REF! #REF!
Perkembangan Gross Profit Marg Bank BJTM
Komponen 2014 2015 2016 2017 2018
Operating Income
Total Operating Income 241,951 187,119 243,759 239,425 287,244
Operating Expense
Jumlah Biaya 229,130 342,728 365,593 330,285 308,418
Biaya Bukan Usaha Bank
Total Operating Expense 229,130 342,728 365,593 330,285 308,418
Gross Profit Margin 5.30 -83.16 -49.98 -37.95 -7.37
Catatan
416,420 55,520 793,900 646,125 390054.0 156.9

84,732 22,962 10,816 37,924 61717.4 16.0
331,688 32,558 783,084 608,201 328336.5556 279.24
285,522 227,932 134,200 166,661 265607.7 -0.6

#DIV/0! #DIV/0!
285,522 227,932 134,200 166,661 265607.6667 -0.57
13.92 -600.08 82.86 72.60 -67.0961 -830.04
Perkembangan Return on Equity Bank AGRO
Komponen 2014 2015 2016 2017
Net Income (laba setelah pajak)
Net Income (laba setelah pajak) 11,714 200 2,428 1,035
Total Net Income (laba setelah pajak) 11,714 200 2,428 1,035
Jumlah Equity Capital
Modal Disetor 509,368 509,368 514,843 519,663
Cadangan Umum 865,762 1,170,964 1,415,212 1,818,138
Laba Yang Ditahan
Total Jumlah Equity Capital 1,375,130 1,680,332 1,930,055 2,337,801
Return on Equity 0.85 0.01 0.13 0.04
Catatan
181 2,720 11,204 14,349 40,670 9389.0 350.3

181 2,720 11,204 14,349 40,670 9389.0000 350.25
520,603 528,753 532,734 532,734 532,734 522311.1 0.56

2,317,122 2,893,565 3,546,323 4,301,777 5,042,390 2596805.9 24.75
#DIV/0! #VALUE!
2,837,725 3,422,318 4,079,057 4,834,511 5,575,124 3119117.0000 19.15
0.01 0.08 0.27 0.30 0.73 0.2690 281.68
Perkembangan Return on Total Assets Bank BJTM
Komponen 2014 2015 2016 2017 2018
Operating Income
Total Operating Income 241,951 187,119 243,759 239,425 287,244
Total Assets (total aktiva)
Assets (aktiva) 38,002,458 42,894,354 42,843,596 5,157,818 62,096,233
Total Assets (total aktiva) 38,002,458 42,894,354 42,843,596 5,157,818 62,096,233
Return on Total Assets 0.64 0.44 0.57 4.64 0.46
Catatan
416,420 55,520 793,900 646,125 390054.0 156.9

84,732 22,962 10,816 37,924 61717.4 16.0
331,688 32,558 783,084 608,201 328336.5556 279.24
75,851,992 75,854,347 70,138,887 102,254,977 57232740.2 136.1

75,851,992 75,854,347 70,138,887 102,254,977 57232740.22 136.14
0.44 0.04 1.12 0.59 0.9931 372.95
Perkembangan Net Income on Total Assets Bank BJTM
Komponen 2014 2015 2016 2017
Net Income (pendapatan bersih)
Net Income (pendapatan bersih) 1,247,248 1,691,189 2,113,100 2,504,190
Total Net Income (pendapatan bersih) 1,247,248 1,691,189 2,113,100 2,504,190
Assets (aktiva) 42,894,354 42,843,596 5,157,818
Total Assets (total aktiva) 0 42,894,354 42,843,596 5,157,818
Net Income on Total Assets #DIV/0! 3.94 4.93 48.55
Catatan
2,233,961 2,386,133 3,069,058 3,836,795 3,071,458 2461459.1 13.6

2,233,961 2,386,133 3,069,058 3,836,795 3,071,458 2461459.1111 13.59
62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 59636525.5 #VALUE!

62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 53010244.8889 #DIV/0!
3.60 3.15 4.05 5.47 3.00 #DIV/0! #DIV/0!
Perkembangan Rate of Return on Loan Bank BJTM
Komponen 2014 2015 2016 2017
Interest & Fees
Interest (pendapatan bunga) 325,195 367,767 327,840 40,316
Fees (provisi kredit) 26,788 7,886 6,393 6,175
Total Interest & Fees 351,983 375,653 334,233 46,491
Total Loan (pinjaman yang diberikan)
Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633 8,179,753,799 10,981,623,081
Total Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633 8,179,753,799 10,981,623,081
Rate of Return on Loan 0.01 0.01 0.00 0.00
Catatan
373,341 16,420 555,020 793,900 646,125 382880.4 493.7

6,421,514 7,030,426 2249863.7 #DIV/0!
373,341 16,420 555,020 7,215,414 7,676,551 1882789.5556 625.45
15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.6 11.5

15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.56 11.47
0.00 0.00 0.00 0.06 0.10 0.0205 703.20
Perkembangan Credit Risk Ratio Bank BJTM
Komponen 2014 2015 2016 2017
Bad Debt
Giro pada Bank Lain 43,691,045 378,230,209 106,816,301 54,842,059
Wesel dan Tagihan 22,419,241 27,533,167 89,739,471 55,591,193
Total Bad Debt 66,110,286 405,763,376 196,555,772 110,433,252
Credit Risk Ratio 1.41 6.71 2.40 1.01
Catatan
1,234,711,679 333,190,020 332,095,870 192,794,815 193,209,149 318842349.7 335.2

59,497,144 2,268,981 23,745,047 70,880,537 92,561,485 49359585.1 162.1
1,294,208,823 335,459,001 355,840,917 263,675,352 285,770,634 368201934.7778 175.60
15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.6 11.5

15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.56 11.47
8.26 1.73 1.83 2.27 3.68 3.2552 123.55
Perkembangan Liquidity Risk Bank BJTM
Komponen 2014 2015 2016 2017
Liquid Assets
Kas 1,888,527 2,112,006 1,709,884 1,673,588
Giro pada Bank Sentral 2,843,785 3,345,232 2,504,680 3,617,670
Giro pada Bank Lain 59,575 94,140 85,694 66,811
Aktiva Valas Likuid
Total Liquid Assets 4,791,887 5,551,378 4,300,258 5,358,069
Pinjaman segera di bayar
Rupiah 1,885,657 2,108,790 1,706,795 1,665,668
Valas
Total Pinjaman segera di bayar
4,791,887.00 5,551,378.00 4,300,258.00 5,358,069.00
Deposito
Giro 4,051,473 8,651,231 3,858,401 4,843,473
Tabungan 30,788 12,706,408 26,028 5,787
Simpanan Berjangka
Total Deposito 4,082,261 21,357,639 3,884,429 4,849,260
Liquidity Risk 117.38 25.99 110.71 110.49
Catatan
2018 2019 2020 2021 2022 Rata-rata
1,913,960 2,729,776 2,511,548 2,023,077 1,988,262 2061180.9

4,075,938 5,734,527 3,659,968 8,805,300 10,786,740 5041537.8
97,872 111,479 237,715 211,681 303,129 140899.6
#DIV/0!
6,087,770 8,575,782 6,409,231 11,040,058 13,078,131 7243618.2222
1,894,326 2,690,546 2,460,657 1,986,107 1,946,513 2038339.9

#DIV/0!
#DIV/0!
6,087,770.00 8,575,782.00 6,409,231.00 11,040,058.00 13,078,131.00 7243618.2222
12,361,096 23,721,437 21,039,158 25,862,874 23,477,047 14207354.4

81,091 21,699,322 22,285,619 24,264,622 23,118,307 11579774.7
#DIV/0!
12,442,187 45,420,759 43,324,777 50,127,496 46,595,354 25787129.1111
48.93 18.88 14.79 22.02 28.07 55.2519
Pertumbuhan
2.3
27.2
29.1
#DIV/0!
17.23
2.0
#DIV/0!
#DIV/0!
17.23
41.6
8620.1
#DIV/0!
98.99
23.18
Perkembangan Capital Risk Bank BJTM
Komponen 2014 2015 2016 2017 2018
Equity Capital
Modal Disetor 509,368 509,368 514,843 519,663 520,603
Cadangan Umum 865,762 1,170,964 1,415,212 1,818,138 2,317,122
Laba Yang Ditahan
Total Equity Capital 1,375,130 1,680,332 1,930,055 2,337,801 2,837,725
Risk Assets
Total Assets (aktiva) 38,002,458 42,894,354 42,843,596 5,157,818 62,096,233
Cash (kas) 1,888,527 2,112,006 1,709,884 1,673,588 1,913,960
Securities (surat berharga) 3,344,110 5,502,076 3,528,397 4,742,414 7,791,958
Total Risk Assets 32,769,821 35,280,272 37,605,315 -1,258,184 52,390,315
Capital Risk 4.20 4.76 5.13 -185.81 5.42
Catatan
528,753 532,734 532,734 532,734 522311.1 0.56

2,893,565 3,546,323 4,301,777 5,042,390 2596805.9 24.75
#DIV/0! #DIV/0!
3,422,318 4,079,057 4,834,511 5,575,124 3119117.0000 19.15
75,851,992 75,854,347 70,138,887 102,254,977 57232740.2 136.14

2,729,776 2,511,548 2,023,077 1,988,262 2061180.9 2.31
9,568,245 14,666,737 32,388,966 23,217,671 11638952.7 37.00
63,553,971 58,676,062 35,726,844 77,049,044 43532606.6667 -532.86
5.38 6.95 13.53 7.24 -14.7995 -465.66
Perkembangan Deposit Risk Ratio Bank BJTM
Komponen 2014 2015 2016 2017
Equity Capital
Modal Disetor 509,368 509,368 514,843 519,663
Cadangan Umum 865,762 1,170,964 1,415,212 1,818,138
Laba Yang Ditahan
Total Equity Capital 1,375,130 1,680,332 1,930,055 2,337,801
Deposito
Giro 4,051,473 8,651,231 3,858,401 4,843,473
Tabungan 30,788 12,706,408 26,028 5,787
Simpanan Berjangka
Total Deposito 4,082,261 21,357,639 3,884,429 4,849,260
Deposit Risk Ratio 33.69 7.87 49.69 48.21
Catatan
520,603 528,753 532,734 532,734 532,734 522311.1 0.56

2,317,122 2,893,565 3,546,323 4,301,777 5,042,390 2596805.9 24.75
#DIV/0! #DIV/0!
2,837,725 3,422,318 4,079,057 4,834,511 5,575,124 3119117.0000 19.15
12,361,096 23,721,437 21,039,158 25,862,874 23,477,047 14207354.4 41.6

81,091 21,699,322 22,285,619 24,264,622 23,118,307 11579774.7 8620.1
#DIV/0! #DIV/0!
12,442,187 45,420,759 43,324,777 50,127,496 46,595,354 25787129.1111 98.99
22.81 7.53 9.42 9.64 11.96 22.3129 47.97
Perkembangan Interest Rate Risk Ratio Bank BJTM
Komponen 2014 2015 2016 2017
Interest Sensitivity Assets
Interest Sensitivity Assets 37,998,046 42,803,631 43,032,950 51,518,681
Total Interest Sensitivity Assets 37,998,046 42,803,631 43,032,950 51,518,681
Interest Sensitivity Liabilities
Interest Sensitivity Liabilities 5,441,131 3,650,170 35,823,378 43,702,607
Total Interest Sensitivity Liabilities 5,441,131 3,650,170 35,823,378 43,702,607
Interest Rate Risk Ratio 698.35 1,172.65 120.13 117.88
Catatan
62,689,118 76,756,313 83,619,452 100,723,330 103,031,367 66908098.7 13.6

62,689,118 76,756,313 100,723,330 103,031,367 64819179.5000 #DIV/0!
542,117,182 67,734,755 71,892,035 87,947,426 89,715,529 105336023.7 244.24

542,117,182 67,734,755 71,892,035 87,947,426 89,715,529 105336023.6667 244.24
11.56 113.32 0.00 114.53 114.84 273.6953 #DIV/0!
Perkembangan Capital Ratio 2 Bank BJTM
Komponen 2014 2015
Equity Capital (ekuitas)
Modal Disetor 509,368 509,368
Cadangan Umum 865,762 1,170,964
Laba Yang Ditahan
Total Equity Capital (ekuitas) 1,375,130 1,680,332
Reserve for Loan Losses (cadangan debitur)
Reserve for Loan Losses (cadangan debitur) 3,759,880 3,923,490
Total Reserve for Loan Losses (cadangan debitur) 3,759,880 3,923,490
-2,384,750.00 -2,243,158.00
Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633
Total Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633
Capital Ratio 2 -0.05 -0.04
Catatan
2016 2017 2018 2019 2020 2021
514,843 519,663 520,603 528,753 532,734 532,734

1,415,212 1,818,138 2,317,122 2,893,565 3,546,323 4,301,777
1,930,055 2,337,801 2,837,725 3,422,318 4,079,057 4,834,511
2,605,727 21,243,555 2,834,717 3,850,264 878,336 3,181,980

2,605,727 21,243,555 2,834,717 3,850,264 878,336 3,181,980
-675,672.00 -18,905,754.00 3,008.00 -427,946.00 3,200,721.00 1,652,531.00
8,179,753,799 10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398

8,179,753,799 10,981,623,081 15,670,832,413 19,366,245,488 11,608,327,398
-0.01 -0.17 0.00 0.00 #DIV/0! 0.01
2022 Rata-rata Pertumbuhan
532,734 522311.1 0.56

5,042,390 2596805.9 24.75
#DIV/0! #DIV/0!
5,575,124 3119117.0000 19.15
3,399,512 5075273.4 103.4

3,399,512 5075273.4444 103.39
2,175,612.00 -1956156.4444 -1,583.67
7,766,644,001 11533829090.6 11.5

7,766,644,001 10539066002.88 #DIV/0!
0.03 #DIV/0! #DIV/0!
Perkembangan Primary Ratio Bank BJTM
Komponen 2014 2015 2016 2017
Modal Disetor 509,368 509,368 514,843 519,663
Cadangan Umum 865,762 1,170,964 1,415,212 1,818,138
Laba Yang Ditahan
Total Equity Capital (ekuitas) 1,375,130 1,680,332 1,930,055 2,337,801
Assets (aktiva) 38,002,458 42,894,354 42,843,596 5,157,818
Total Assets (total aktiva) 38,002,458 42,894,354 42,843,596 5,157,818
Primary Ratio 3.62 3.92 4.50 45.33
Catatan
520,603 528,753 532,734 532,734 532,734 522311.1 0.56

2,317,122 2,893,565 3,546,323 4,301,777 5,042,390 2596805.9 24.75
#DIV/0! #DIV/0!
2,837,725 3,422,318 4,079,057 4,834,511 5,575,124 3119117.0000 19.15
62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 57232740.2 136.1

62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 57232740.2222 136.14
4.57 4.51 5.38 6.89 5.45 9.3523 108.08
Perkembangan Capital Ratio 1 Bank BJTM
Komponen 2014 2015 2016 2017
Modal Disetor 509,368 509,368 514,843 519,663
Cadangan Umum 865,762 1,170,964 1,415,212 1,818,138
Laba Yang Ditahan
Total Equity Capital (ekuitas) 1,375,130 1,680,332 1,930,055 2,337,801
Capital Ratio 1 0.03 0.03 0.02 0.02
Catatan
520,603 528,753 532,734 532,734 532,734 522311.1 0.56

2,317,122 2,893,565 3,546,323 4,301,777 5,042,390 2596805.9 24.75
#DIV/0! #DIV/0!
2,837,725 3,422,318 4,079,057 4,834,511 5,575,124 3119117.0000 19.15
15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.6 11.5

15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.56 11.47
0.02 0.02 0.02 0.04 0.07 0.0302 17.81
Perkembangan Capital Adequacy Ratio 1 Bank BJTM
Komponen 2014 2015 2016
Modal Disetor 509,368 509,368 514,843
Cadangan Umum 865,762 1,170,964 1,415,212
Laba Yang Ditahan
Total Equity Capital (ekuitas) 1,375,130 1,680,332 1,930,055
Fixed Assets (aktiva tetap)
Total Fixed Assets (aktiva tetap) 0 0 0
1,375,130.00 1,680,332.00 1,930,055.00
Estimated Risk in Loans and Securities
Giro pada Bank Lain 59,575 94,140 85,694
Wesel dan Tagihan
Total Risk in Loans and Securities 59,575 94,140 85,694
Capital Adequacy Ratio 1 2,308.23 1,784.93 2,252.26
Catatan
2017 2018 2019 2020 2021 2022
519,663 520,603 528,753 532,734 532,734 532,734

1,818,138 2,317,122 2,893,565 3,546,323 4,301,777 5,042,390
2,337,801 2,837,725 3,422,318 4,079,057 4,834,511 5,575,124
0 0 0 0 0 0
2,337,801.00 2,837,725.00 3,422,318.00 4,079,057.00 4,834,511.00 5,575,124.00
66,811 97,872 111,479 237,715 211,681 303,129
66,811 97,872 111,479 237,715 211,681 303,129

3,499.13 2,899.42 3,069.92 1,715.94 2,283.87 1,839.19
522311.1 0.56
2596805.9 24.75
#DIV/0! #DIV/0!
3119117.0000 19.15
#DIV/0! #DIV/0!
0.0000 #DIV/0!
3119117.0000 19.15
140899.6 29.1
#DIV/0! #DIV/0!
140899.5556 29.11
2405.8779 2.14
Komponen 2014 2015 2016
Modal Disetor 509,368 509,368 514,843
Cadangan Umum 865,762 1,170,964 1,415,212
Laba Yang Ditahan
Total Fixed Assets (aktiva tetap) 0 0 0
1,375,130.00 1,680,332.00 1,930,055.00
Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633 8,179,753,799
Total Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633 8,179,753,799
Securities (surat berharga)
Securities (surat berharga) 3,344,110 5,502,076 3,528,397
Total Securities (surat berharga) 3,344,110 5,502,076 3,528,397
4,697,924,320.00 6,050,023,709.00 8,183,282,196.00
Capital Adequacy Ratio 2 0.03 0.03 0.02
Catatan
2017 2018 2019 2020 2021 2022
519,663 520,603 528,753 532,734 532,734 532,734

1,818,138 2,317,122 2,893,565 3,546,323 4,301,777 5,042,390
2,337,801 2,837,725 3,422,318 4,079,057 4,834,511 5,575,124
0 0 0 0 0 0
2,337,801.00 2,837,725.00 3,422,318.00 4,079,057.00 4,834,511.00 5,575,124.00
10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001

10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001
4,742,414 7,791,958 9,568,245 14,666,737 32,388,966 23,217,671

4,742,414 7,791,958 9,568,245 14,666,737 32,388,966 23,217,671
10,986,365,495.00 15,678,624,371.00 19,375,813,733.00 19,506,600,529.00 11,640,716,364.00 7,789,861,672.00
0.02 0.02 0.02 0.02 0.04 0.07
522311.1 0.56
2596805.9 24.75
#DIV/0! #DIV/0!
3119117.0000 19.15
#DIV/0! #DIV/0!
0.0000 #DIV/0!
3119117.0000 19.15
11533829090.6 11.5
11533829090.56 11.47
11638952.7 37.00
11638952.6667 37.00
11545468043.2222 11.48
0.0302 17.75
Komponen 2014 2015 2016
Modal Disetor 509,368 509,368 514,843
Cadangan Umum 865,762 1,170,964 1,415,212
Laba Yang Ditahan
Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633 8,179,753,799
Total Loan (pinjaman yang diberikan) 4,694,580,210 6,044,521,633 8,179,753,799
Securities (surat berharga)
Securities (surat berharga) 3,344,110 5,502,076 3,528,397
Total Securities (surat berharga) 3,344,110 5,502,076 3,528,397
4,697,924,320.00 6,050,023,709.00 8,183,282,196.00
Capital Adequacy Ratio 3 0.03 0.03 0.02
Catatan
2017 2018 2019 2020 2021 2022
519,663 520,603 528,753 532,734 532,734 532,734

1,818,138 2,317,122 2,893,565 3,546,323 4,301,777 5,042,390
2,337,801 2,837,725 3,422,318 4,079,057 4,834,511 5,575,124
10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001

10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001
4,742,414 7,791,958 9,568,245 14,666,737 32,388,966 23,217,671

4,742,414 7,791,958 9,568,245 14,666,737 32,388,966 23,217,671
10,986,365,495.00 15,678,624,371.00 19,375,813,733.00 19,506,600,529.00 11,640,716,364.00 7,789,861,672.00
0.02 0.02 0.02 0.02 0.04 0.07
522311.1 0.56
2596805.9 24.75
#DIV/0! #DIV/0!
3119117.0000 19.15
11533829090.6 11.5
11533829090.56 11.47
11638952.7 37.00
11638952.6667 37.00
11545468043.2222 11.48
0.0302 17.75
Perkembangan Assets Utilization Bank BJTM
Komponen 2014 2015 2016 2017
Total Income
Operating Income (pendapatan usaha bank) 1,902,470 133,098 142,225 141,149
Non Operating Income (pendapatan bukan usa 24,490 64,354 546 5,866
Total Income 1,877,980 68,744 141,679 135,283
Total Assets (aktiva)
Assets (aktiva) 38,002,458 42,894,354 42,843,596 5,157,818
Total Assets (aktiva) 38,002,458 42,894,354 42,843,596 5,157,818
Assets Utilization 4.94 0.16 0.33 2.62
Catatan
151,137 179,859 153,239 177,629 238,569 357708.3 -3.2

47,777 67,554 8,910 146,874 2,030,049 266268.9 567.2
103,360 112,305 144,329 30,755 -1,791,480 91439.4444 -748.11
62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 57232740.2 136.1

62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 57232740.2222 136.14
0.17 0.15 0.19 0.04 -1.75 0.7614 -443.24
Perkembangan Provision for Loan Losses Ratio 1 Bank BJTM
Komponen 2014 2015 2016
Reserve for Loan Losses (cadangan debitur) 3,759,880 3,923,490 2,605,727
Total Reserve for Loan Losses (cadangan debitur) 3,759,880 3,923,490 2,605,727
Loan (Gross) - pinjaman yang diberikan (kotor)
Total (Gross) - pinjaman yang diberikan (kotor) 4,694,580,210 6,044,521,633 8,179,753,799
Provision for Loan Losses Ratio 1 0.08 0.06 0.03
Catatan
2017 2018 2019 2020 2021 2022 Rata-rata
21,243,555 2,834,717 3,850,264 878,336 3,181,980 3,399,512 5075273.4

21,243,555 2,834,717 3,850,264 878,336 3,181,980 3,399,512 5075273.4444
10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.6

10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.5556
0.19 0.02 0.02 0.00 0.03 0.04 0.0538
Pertumbuhan
103.4
103.39
11.5
11.47
105.91
Perkembangan Provision for Loan Losses Ratio 2 Bank BJTM
Komponen 2014 2015 2016
Reserve for Loan Losses (cadangan debitur) 3,759,880 3,923,490 2,605,727
Total Reserve for Loan Losses (cadangan debitur) 3,759,880 3,923,490 2,605,727
Loan (Net) - pinjaman yang diberikan (bersih)
Cadangan Debitur Dubius 3,759,880 3,923,490 2,605,727
Total - pinjaman yang diberikan (bersih) 4,690,820,330 6,040,598,143 8,177,148,072
Provision for Loan Losses Ratio 2 0.08 0.06 0.03
Catatan
2017 2018 2019 2020 2021 2022 Rata-rata
21,243,555 2,834,717 3,850,264 878,336 3,181,980 3,399,512 5075273.4

21,243,555 2,834,717 3,850,264 878,336 3,181,980 3,399,512 5075273.4444
10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.6

21,243,555 2,834,717 3,850,264 878,336 3,181,980 3,399,512 5075273.4
10,960,379,526 15,667,997,696 19,362,395,224 19,491,055,456 11,605,145,418 7,763,244,489 11528753817.1111
0.19 0.02 0.02 0.00 0.03 0.04 0.0538
Pertumbuhan
103.4
103.39
11.5
103.4
11.48
106.05
Perkembangan Interest Expense Ratio Bank BJTM
Komponen 2014 2015 2016
Interest Paid/Expense (biaya bunga dan provisi)
Interest Paid/Expense (biaya bunga dan provisi) 4,011,782 4,667,638 4,920,825
Total Interest Paid/Expense (biaya bunga dan provisi) 4,011,782 4,667,638 4,920,825
Deposit (deposito)
Giro 4,051,473 8,651,231 3,858,401
Tabungan 30,788 12,706,408 26,028
Simpanan Berjangka
Total Deposit (deposito) 4,082,261 21,357,639 3,884,429
Interest Expense Ratio 98.27 21.85 126.68
Catatan
2017 2018 2019 2020 2021 2022 Rata-rata
4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971 4660942.3

4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971 4660942.3333
4,843,473 12,361,096 23,721,437 21,039,158 25,862,874 23,477,047 14207354.4

5,787 81,091 21,699,322 22,285,619 24,264,622 23,118,307 11579774.7
#DIV/0!
4,849,260 12,442,187 45,420,759 43,324,777 50,127,496 46,595,354 25787129.1111
101.97 41.20 12.76 13.73 12.81 0.24 47.7250
Pertumbuhan
-6.09
-6.09
41.6
8620.1
#DIV/0!
98.99
19.57
Perkembangan Cost of Fund 2 Bank BJTM
Komponen 2014 2015 2016
Total Liabilities
Total Liabilities 31,843,089 36,487,544 357,330,353
Total Total Liabilities 31,843,089 36,487,544 357,330,353
Cost of Fund 2 12.60 12.79 1.38
Catatan
2017 2018 2019 2020 2021 2022 Rata-rata
4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971 4660942.3

4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971 4660942.3333
43,551,607 43,551,607 66,428,778 73,521,369 85,083,074 87,603,378 91711199.9

43,551,607 43,551,607 66,428,778 73,521,369 85,083,074 87,603,378 91711199.8889
11.35 11.77 8.72 8.09 7.55 0.13 8.2648
Pertumbuhan
-6.09
-6.09
111.0
111.00
62.79
Perkembangan Cost of Money Bank BJTM
Komponen 2014 2015 2016
Overhead Expense
Biaya Tenaga Kerja 286,724 293,065 314,493
Penyusutan 307,762 356,705 423,283
Lain-lain 10,800 4,451 383
Total Overhead Expense 605,286 654,221 738,159
4,617,068.00 5,321,859.00 5,658,984.00
Total Liabilities
Equity Capital
Modal Disetor 509,368 509,368 514,843
Cadangan Umum 865,762 1,170,964 1,415,212
Laba Yang Ditahan
Total Equity Capital 1,375,130 1,680,332 1,930,055
Total 30,467,959.00 34,807,212.00 355,400,298.00
Cost of Money 15.15 15.29 1.59
Catatan
2017 2018 2019 2020 2021 2022
4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971

4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971
363,019 398,536 433,507 484,666 478,647 520,840

481,488 528,993 572,026 676,592 762,052 825,010
6,803 153 503 187 304 461
851,310 927,682 1,006,036 1,161,445 1,241,003 1,346,311
5,796,263.00 6,054,425.00 6,799,949.00 7,111,587.00 7,662,517.00 1,457,282.00
43,551,607 43,551,607 66,428,778 73,521,369 85,083,074 87,603,378

43,551,607 43,551,607 66,428,778 73,521,369 85,083,074 87,603,378
519,663 520,603 528,753 532,734 532,734 532,734

1,818,138 2,317,122 2,893,565 3,546,323 4,301,777 5,042,390
2,337,801 2,837,725 3,422,318 4,079,057 4,834,511 5,575,124

41,213,806.00 40,713,882.00 63,006,460.00 69,442,312.00 80,248,563.00 82,028,254.00
14.06 14.87 10.79 10.24 9.55 1.78
4660942.3 -6.09
4660942.3333 -6.09
397055.2 7.86
548212.3 13.19
2671.7 213.56
947939.2222 10.56
5608881.5556 -3.48
91711199.9 111.0
91711199.8889 111.00
522311.1 0.56
2596805.9 24.75
#DIV/0! #DIV/0!
3119117.0000 19.15
88592082.8889 116.05
10.3699 72.45
Perkembangan Cost of Fund 1 Bank BJTM
Komponen 2014 2015 2016
Total Interest Paid/Expense (biaya bunga dan 4,011,782 4,667,638 4,920,825
Total Liabilities
Equity Capital
Modal Disetor 509,368 509,368 514,843
Cadangan Umum 865,762 1,170,964 1,415,212
Laba Yang Ditahan
Total Equity Capital 1,375,130 1,680,332 1,930,055
Total 30,467,959.00 34,807,212.00 355,400,298.00
Cost of Fund 1 104.51 104.83 100.54
Catatan
2017 2018 2019 2020 2021 2022
4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971

4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971
43,551,607 43,551,607 66,428,778 73,521,369 85,083,074 87,603,378

43,551,607 43,551,607 66,428,778 73,521,369 85,083,074 87,603,378
519,663 520,603 528,753 532,734 532,734 532,734

1,818,138 2,317,122 2,893,565 3,546,323 4,301,777 5,042,390
2,337,801 2,837,725 3,422,318 4,079,057 4,834,511 5,575,124

41,213,806.00 40,713,882.00 63,006,460.00 69,442,312.00 80,248,563.00 82,028,254.00
105.67 106.97 105.43 105.87 106.02 106.80
4660942.3 -6.09
4660942.3333 -6.09
91711199.9 111.0
91711199.8889 111.00
522311.1 0.56
2596805.9 24.75
#DIV/0! #DIV/0!
3119117.0000 19.15
88592082.8889 116.05
105.1837 0.30
Perkembangan Cost of Loanable Fund Bank BJTM
Komponen 2014 2015
Interest Paid/Expense (biaya bunga dan provisi) 4,011,782 4,667,638
Total Interest Paid/Expense (biaya bunga dan provisi) 4,011,782 4,667,638
Total Fund 1
Total Liabilities 31,843,089 36,487,544
Equity Capital 6,043,635 6,295,461
Total Total Fund 1 25,799,454 30,192,083
Un loanable fund
Kas 1,888,527 2,112,006
Benda Tetap & Inventaris
Aktiva Lain-Lain 49,319 105,045
Total Un loanable fund 1,937,846 2,217,051
Total 23,861,608.00 27,975,032.00
Cost of Loanable Fund 16.81 16.69
Catatan
2016 2017 2018 2019 2020 2021
4,920,825 4,944,953 5,126,743 5,793,913 5,950,142 6,421,514

4,920,825 4,944,953 5,126,743 5,793,913 5,950,142 6,421,514
357,330,353 43,551,607 43,551,607 66,428,778 73,521,369 85,083,074

7,209,572 78,116,074 8,471,936 9,185,652 7,816,074 10,910,539
350,120,781 -34,564,467 35,079,671 57,243,126 65,705,295 74,172,535
1,709,884 1,673,588 1,913,960 2,729,776 2,511,548 2,023,077
86,856 42,166 46,012 52,866 356,098 115,775

1,796,740 1,715,754 1,959,972 2,782,642 2,867,646 2,138,852
348,324,041.00 -36,280,221.00 33,119,699.00 54,460,484.00 62,837,649.00 72,033,683.00
1.41 -13.63 15.48 10.64 9.47 8.91
110,971 4660942.3 -6.09

110,971 4660942.3333 -6.09
87,603,378 91711199.9 111.0

11,445,861 16166089.3 118.9
76,157,517 75545110.5556 107.35
1,988,262 2061180.9 2.31

#DIV/0! #DIV/0!
140,998 110570.6 74.52
2,129,260 2171751.4444 3.04
74,028,257.00 73373359.1111 119.74
0.15 7.3258 -189.64
Perkembangan Cost of Borrowing Fund Bank BJTM
Komponen 2014 2015
Total Interest Paid/Expense (biaya bunga dan provisi) 4,011,782 4,667,638
Overhead Expense
Biaya Tenaga Kerja 286,724 293,065
Penyusutan 307,762 356,705
Lain-lain 10,800 4,451
Total Overhead Expense 605,286 654,221
4,617,068.00 5,321,859.00
Pinjaman yang diberikan 4,694,580,210 6,044,521,633
Surat Berharga 3,344,110 5,502,076
Simpanan Berjangka 30,212,235 27,434,215
Aktiva Valas Lain-lain 49,319 105,045
Penyertaan
Total fund - idle fund - unloanable fund 4,728,185,874 6,077,562,969
Cost of Borrowing Fund 0.10 0.09
Catatan
2016 2017 2018 2019 2020 2021
4,920,825 4,944,953 5,126,743 5,793,913 5,950,142 6,421,514

4,920,825 4,944,953 5,126,743 5,793,913 5,950,142 6,421,514
314,493 363,019 398,536 433,507 484,666 478,647

423,283 481,488 528,993 572,026 676,592 762,052
383 6,803 153 503 187 304
738,159 851,310 927,682 1,006,036 1,161,445 1,241,003
5,658,984.00 5,796,263.00 6,054,425.00 6,799,949.00 7,111,587.00 7,662,517.00
8,179,753,799 10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398

3,528,397 4,742,414 7,791,958 9,568,245 14,666,737 32,388,966
32,737,324 39,799,208 50,841,574 60,455,109 22,237,820 81,388,685
86,856 42,166 46,012 52,866 356,098 115,775
8,216,106,376 11,026,206,869 15,729,511,957 19,436,321,708 19,529,194,447 11,722,220,824

0.07 0.05 0.04 0.03 0.04 0.07
110,971 4660942.3 -6.09

110,971 4660942.3333 -6.09
520,840 397055.2 7.86

825,010 548212.3 13.19
461 2671.7 213.56
1,346,311 947939.2222 10.56
1,457,282.00 5608881.5556 -3.48
7,766,644,001 11533829090.6 11.47

23,217,671 11638952.7 37.00
79,925,690 47225762.2 34.92
140,998 110570.6 74.52
#DIV/0! #DIV/0!
7,869,928,360 11592804376.0000 11.47
0.02 0.0556 -9.91
Perkembangan Cost of Efficiency Ratio 1 Bank BJTM
Komponen 2014 2015 2016
Cadangan Debitur Dubius
Cadangan Debitur Dubius 3,759,880 3,923,490 2,605,727
Total Cadangan Debitur Dubius 3,759,880 3,923,490 2,605,727
Operating Income
Jumlah Pendapatan 325,195 266,705 316,640
Pendapatan Bukan Usaha Bank 83,244 79,586 72,881
Total Operating Income 241,951 187,119 243,759
Cost of Efficiency Ratio 1 1,553.98 2,096.79 1,068.98
Catatan
2017 2018 2019 2020 2021 2022 Rata-rata Pertumbuhan
21,243,555 2,834,717 3,850,264 878,336 3,181,980 3,399,512 5075273.4 103.39

21,243,555 2,834,717 3,850,264 878,336 3,181,980 3,399,512 5075273.4444 103.39
316,640 373,341 416,420 55,520 793,900 646,125 390054.0 156.9

77,215 86,097 84,732 22,962 10,816 37,924 61717.4 16.0
239,425 287,244 331,688 32,558 783,084 608,201 328336.5556 279.24
8,872.74 986.87 1,160.81 2,697.76 406.34 558.95 2155.9119 91.21
Komponen 2014 2015 2016 2017
Biaya Tenaga Kerja
Biaya Tenaga Kerja 286,724 293,065 314,493 363,019
Total Biaya Tenaga Kerja #REF! 293,065 314,493 363,019
Operating Income
Jumlah Pendapatan 325,195 266,705 316,640 316,640
Pendapatan Bukan Usaha Bank 83,244 79,586 72,881 77,215
Total Operating Income 241,951 187,119 243,759 239,425
Cost of Efficiency Ratio 2 #REF! 156.62 129.02 151.62
Catatan
398,536 433,507 484,666 478,647 520,840 397055.2 #REF!

398,536 433,507 484,666 478,647 520,840 #REF! #REF!
373,341 416,420 55,520 793,900 646,125 390054.0 156.9

86,097 84,732 22,962 10,816 37,924 61717.4 16.0
287,244 331,688 32,558 783,084 608,201 328336.5556 279.24
138.74 130.70 1,488.62 61.12 85.64 #REF! #REF!
Komponen 2014 2015 2016
Operating Expense
Jumlah Biaya 229,130 342,728 365,593
Biaya Bukan Usaha Bank
Total Operating Expense 229,130 342,728 365,593
Surat Berharga 3,344,110 5,502,076 3,528,397
Simpanan Berjangka
Aktiva Valas Lain-lain 49,319 105,045 86,856
Penyertaan
Total fund - idle fund - unloanable fund 4,697,973,639 6,050,128,754 8,183,369,052
Cost of Efficiency Ratio 3 0.00 0.01 0.00
Catatan
2017 2018 2019 2020 2021 2022 Rata-rata
330,285 308,418 285,522 227,932 134,200 166,661 265607.7

#DIV/0!
330,285 308,418 285,522 227,932 134,200 166,661 265607.6667
10,981,623,081 15,670,832,413 19,366,245,488 19,491,933,792 11,608,327,398 7,766,644,001 11533829090.6

4,742,414 7,791,958 9,568,245 14,666,737 32,388,966 23,217,671 11638952.7
#DIV/0!
42,166 46,012 52,866 356,098 115,775 140,998 118227.0
#DIV/0!
10,986,407,661 15,678,670,383 19,375,866,599 19,506,956,627 11,640,832,139 7,790,002,670 11545578613.7778
0.00 0.00 0.00 0.00 0.00 0.00 0.0029
Pertumbuhan
-0.6
#DIV/0!
-0.57
11.47
37.00
#DIV/0!
#REF!
#DIV/0!
11.48
-4.23
Perkembangan Return on Total Assets (RTA) Bank
Komponen 2014 2015 2016 2017
Earning before interest and taxes
Earning (laba setelah pajak) 1,375,836 1,261,253 1,452,128 1,636,941
Taxes (pajak) 4,209 7,610 5,301 4,368
Interest (biaya bunga dan provisi) 4,011,782 4,667,638 4,920,825 4,944,953
Total Earning before interest and taxes 5,391,827 5,936,501 6,378,254 6,586,262
Total Assets
Assets (aktiva) 38,002,458 42,894,354 42,843,596 5,157,818
Total Assets 38,002,458 42,894,354 42,843,596 5,157,818
Return on Total Assets (RTA) 14.19 13.84 14.89 127.69
Catatan
1,753,698 1,864,133 1,507,367 1550193.7 #VALUE!

6,716 73,605 68,402 69,549 87,828 36398.7 137.93
5,126,743 5,793,913 5,950,142 6,421,514 110,971 4660942.3 -6.09
6,887,157 7,731,651 7,525,911 6,491,063 198,799 5903047.2222 -9.46
62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 57232740.2 136.1

62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 57232740.2222 136.14
11.09 10.19 9.92 9.25 0.19 23.4739 69.52
Perkembangan Leverage Management Bank BJTM
Komponen 2014 2015 2016 2017
Total Fund 1
Total Liabilities 172,573 388,368 652,082 691,012
Equity Capital 6,043,635 6,295,461 7,209,572 78,116,074
Total Total Fund 1 -5,871,062 -5,907,093 -6,557,490 -77,425,062
Equity Capital
Equity Capital 6,043,635 6,295,461 7,209,572 78,116,074
Total Equity Capital 6,043,635 6,295,461 7,209,572 78,116,074
Leverage Management -97.14 -93.83 -90.96 -99.12
Catatan
54,217,182 67,529,638 718,920,035 87,947,426 89,715,529 113359316.1 1106.0

8,471,936 9,185,652 7,816,074 10,910,539 11,445,861 16166089.3 118.9
45,745,246 58,343,986 711,103,961 77,036,887 78,269,668 97193226.7778 249.01
8,471,936 9,185,652 7,816,074 10,910,539 11,445,861 16166089.3 118.9

8,471,936 9,185,652 7,816,074 10,910,539 11,445,861 16166089.3333 118.88
539.96 635.16 9,097.97 706.08 683.83 1253.5502 76.54
Perkembangan Cost of Debt Bank
Komponen 2014 2015 2016
Total Interest Paid/Expense (biaya bunga dan provisi) 0 4,667,638 4,920,825
Total Fund 1
Total Liabilities 172,573 388,368 652,082
Equity Capital 6,043,635 6,295,461 7,209,572
Total Total Fund 1 -5,871,062 -5,907,093 -6,557,490
Cost of Debt 0.00 -79.02 -75.04
Catatan
2017 2018 2019 2020 2021 2022 Rata-rata
4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971 4742087.4

4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971 4215188.7778
691,012 54,217,182 67,529,638 718,920,035 87,947,426 89,715,529 113359316.1

78,116,074 8,471,936 9,185,652 7,816,074 10,910,539 11,445,861 16166089.3
-77,425,062 45,745,246 58,343,986 711,103,961 77,036,887 78,269,668 97193226.7778
-6.39 11.21 9.93 0.84 8.34 0.14 -14.4437
Pertumbuhan
#VALUE!
#DIV/0!
1106.0
118.9
249.01
#DIV/0!
Perkembangan Spread Management Bank BJTM
Komponen 2014 2015 2016
Return on Total Assets (RTA)
Earning before interest and taxes 5,391,827 5,936,501 6,378,254
Total Assets 38,002,458 42,894,354 42,843,596
Total Return on Total Assets (RTA) 0.14 0.14 0.15
Cost of Debt
Total Fund 1 -4,011,782 -4,667,638 -4,920,825
Total Cost of Debt -1.00 -1.00 -1.00
Spread Management 114.19 113.84 114.89
2017 2018 2019 2020 2021 2022 Rata-rata
6,586,262 6,887,157 7,731,651 7,525,911 6633937.6

5,157,818 62,096,233 75,851,992 75,854,347 70,138,887 102,254,977 57232740.2
1.28 0.11 0.10 0.10 0.00 0.00 0.2242
4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971 4660942.3

-4,944,953 -5,126,743 -5,793,913 -5,950,142 -6,421,514 -110,971 -4660942.3
-1.00 -1.00 -1.00 -1.00 -1.00 -1.00 -1.0000
227.69 111.09 110.19 109.92 100.00 100.00 122.4240
Pertumbuhan
#DIV/0!
136.1
#DIV/0!
-6.1
-6.1
0.00
4.69
Perkembangan Debt Management Bank
Komponen 2014 2015 2016
Cost of Debt
Total Fund 1 -4,011,782 -4,667,638 -4,920,825
Total Cost of Debt -1.00 -1.00 -1.00
Spread Management
Return on Total Assets (RTA) 2259.00 7450.00 494.00
Cost of Debt 628963.00 695853.00 1280703.00
Total Spread Management -62,670,400.00 -68,840,300.00 -128,020,900.00
Debt Management 6,267,040,000.00 6,884,030,000.00 12,802,090,000.00
2017 2018 2019 2020 2021 2022
4,944,953 5,126,743 5,793,913 5,950,142 6,421,514 110,971

-4,944,953 -5,126,743 -5,793,913 -5,950,142 -6,421,514 -110,971
-1.00 -1.00 -1.00 -1.00 -1.00 -1.00
22460.00 115720.00 73579.00 98612.00 72742.00 22775.00

1425101.00 1501050.00 1595455.00 1882572.00 1906263.00 2109260.00
-140,264,100.00 -138,533,000.00 -152,187,600.00 -178,396,000.00 -183,352,100.00 -208,648,500.00
14,026,410,000.00 13,853,300,000.00 15,218,760,000.00 17,839,600,000.00 18,335,210,000.00 20,864,850,000.00
4660942.3 -6.1
-4660942.3 -6.1
-1.0000 0.00
46232.3 612.6
1447246.7 18.4
-140101433.3333 18.47
14010143333.3333 18.47
Perkembangan Return on Equity Bank BJTM
Komponen 2014 2015
Earning before interest and taxes 5,391,827 5,936,501
Total Assets 38,002,458 42,894,354
Total Return on Total Assets (RTA) 0.14 0.14
Leverage Management
Total Fund 1 4,011,782 4,667,638
Equity Capital 6,043,635 6,295,461
Total Leverage Management 0.66 0.74
Earning before interest and taxes 5,391,827 5,936,501
Total Assets 38,002,458 42,894,354
Total Return on Total Assets (RTA) 0.14 0.14
0.09 0.10
Return on Equity 23.61 24.10
2016 2017 2018 2019 2020 2021
6,378,254 6,586,262 6,887,157 7,731,651 7,525,911

42,843,596 5,157,818 62,096,233 75,851,992 75,854,347 70,138,887
0.15 1.28 0.11 0.10 0.10 0.00
4,920,825 4,944,953 5,126,743 5,793,913 5,950,142 6,421,514

7,209,572 78,116,074 8,471,936 9,185,652 7,816,074 10,910,539
0.68 0.06 0.61 0.63 0.76 0.59
6,378,254 6,586,262 6,887,157 7,731,651 7,525,911 0

42,843,596 5,157,818 62,096,233 75,851,992 75,854,347 70,138,887
0.15 1.28 0.11 0.10 0.10 0.00
0.10 0.08 0.07 0.06 0.08 0.00
25.05 135.78 17.80 16.62 17.47 0.00
6633937.6 #DIV/0!
102,254,977 57232740.2 136.1
0.00 0.2242 #DIV/0!
110,971 4660942.3 -6.1

11,445,861 16166089.3 118.9
0.01 0.5274 84.11
0 5159729.2 #DIV/0!
102,254,977 57232740.2 136.1
0.00 0.2242 #DIV/0!
0.00 0.0651 #DIV/0!
0.00 28.9371 #DIV/0!

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BANK ICB Bumiputera Tbk

Neraca Per 31 Desember 20X1

Aktiva Kewajiban dan Ekuitas

Jumlah Aktiva 1,433,833,800 Jumlah Kewajiban dan Ekuitas 1,433,833,800

Kolektibility Giro pada Bank

Laba Sebelum Pajak 54,494,280

*) Provisi Kredit 4,257,600

CASH ASSETS 184,359,950

2 INVESTING POLICY RATIO

INVESTING POLICY RATIO

SURAT BERHARGA 15,000,000

4 LOAN TO ASSETS RATIO

LOAN TO ASSETS RATIO

CASH ASSETS 184,359,950

CREDIT RISK RATIO

BAD DEBT 59,246,580

LIQUID ASSETS - SHORT TERM BORROWING (185,638,845)

EQUITY CAPITAL 137,946,930

4 DEPOSIT RISK RATIO

DEPOSIT RISK RATIO

EQUITY CAPITAL 137,946,930

5 INTEREST RATE RISK RATIO

INTEREST RATE RISK RATIO

INTEREST SENSITIVITY ASSETS 200,854,780

EQUITY CAPITAL 137,946,930

EQUITY CAPITAL 137,946,930

EQUITY CAPITAL - RESERVE FOR LOAN LOSSES 159,472,780

4 CAPITAL ADEQUACY RATIO 1

CAPITAL ADEQUACY RATIO 1

EQUITY CAPITAL - FIXED ASSETS 112,196,930

5 CAPITAL ADEQUACY RATIO 2

CAPITAL ADEQUACY RATIO 2

EQUITY CAPITAL - FIXED ASSETS 112,196,930

6 CAPITAL ADEQUACY RATIO 3

CAPITAL ADEQUACY RATIO 3

EQUITY CAPITAL 137,946,930

TOTAL ASSETS 1,433,833,800

TOTAL INCOME 225,402,730

3 PROVISION FOR LOAN LOSSES RATIO

PROVISION FOR LOAN LOSSES RATIO 1

RESERVE FOR TOTAL LOAN LOSSES 21,525,850

PROVISION FOR LOAN LOSSES RATIO 2

RESERVE FOR TOTAL LOAN LOSSES 21,525,850

4 INTEREST EXPENSE RATIO

INTEREST EXPENSE RATIO

INTEREST PAID/EXPENSE 109,875,050

INTEREST PAID/EXPENSE 109,875,050

INTEREST PAID/EXPENSE 109,875,050

INTEREST EXPENSE + OVERHEAD EXPENSE 169,744,050

7 COST OF LOANABLE FUND

COST OF LOANABLE FUND

INTEREST EXPENSE 109,875,050

8 COST OF BORROWING FUND

COST OF BORROWING FUND

INTEREST EXPENSE + OVERHEAD EXPENSE 169,744,050

9 COST OF EFFICIENCY RATIO (CER)

A COST OF EFFICIENCY RATIO 1

B COST OF EFFICIENCY RATIO 2

SALARIES & BENEFIT EXPENSE 23,541,000

C COST OF EFFICIENCY RATIO 3

TOTAL EXPENSE 171,960,950

RETURN ON TOTAL ASSETS (RTA)

RTA - COST OF DEBT = 0.114636 - 0.084788 = 0.029849