RASIO KEUANGAN 1. Rasio Kecukupan Modal

I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 66

4.14.3. Imbal Hasil Ekuitas ROE

ROE Perseroan per 31 Desember 2015 dan 31 Desember 2014 masing-masing sebesar 3,62 dan 1,10, peningkatan rasio ROE karena adanya peningkatan perolehan laba Perseroan dengan sebab yang sama pada penjelasan ROA yaitu peningkatan pendapatan bunga sebagai akibat meningkatnya kapasitas usaha Perseroan.

4.14.4. Margin Pendapatan Bunga Bersih Net Interest MarginNIM

Per 31 Desember 2015 NIM Perseroan adalah sebesar 4,41 sedangkan per 31 Desember 2014 sebesar 3,50. Peningkatan ini disebabkan karena penyaluran kredit meningkat sehingga pendapatan bunga meningkat dibanding tahun sebelumnya.

4.14.5. Rasio Kredit Terhadap DPK Loan To

Deposit RatioLDR Rasio LDR Perseroan per 31 Desember 2015 dan 2014 masing-masing adalah 77,29 dan 69,62. Naiknya rasio LDR ini disebabkan pertumbuhan tingkat penyaluran kredit pada tahun 2015 lebih tinggi dibanding tingkat pertumbuhan penghimpunan dana. Tingkat pertumbuhan penyaluran kredit tumbuh sebesar 32,72 sedangkan penghimpunan dana tumbuh 22,13.

4.14.6. Rasio Beban Operasional Terhadap Pendapatan Operasional BOPO

Rasio BOPO per 31 Desember 2015 dan 2014 masing-masing adalah 91,50 dan 97,63. Penurunan rasio ini terutama disebabkan pertumbuhan besaran biaya operasional lebih rendah dibanding pertumbuhan pendapatan operasional khususnya pendapatan bunga kredit.

4.14.7. Rasio Kredit Bermasalah NPL

Rasio NPL pada tahun 2015 dan 2014 berhasil ditekan dibawah 1 satu digit yaitu masing- masing secara gross 0,74 dan 0,86,

4.14.3. Return on Equity ROE

Return on Equity in 2015 is as much as 3.62 while in 2014 was as much as 1.10. This increasing happen caused by the same reason as the ROA.

4.14.4. Net Interest Margin NIM

Net Interest Margin in 2015 is as much as 4.41 while in 2014 was as much as 3.50. This increasing caused by the increasing in loans distributed so the interest income is also increasing.

4.14.5. Loans To Deposit Ratio LDR

Loans to deposit ratio as of 31 st December 2015 and 2014 was 77.29 and 69.62. The increasing caused by loans distributed improvement as much as 32.72 while the customer funds is increasing as much as 22.13.

4.14.6. Operating Expenses to Operating Income Ratio

Operating Expenses to Operating Income Ratio as of 31 st December 2015 is decreasing from 91.50 in 2015 to 97.63 in 2014. This decreasing caused by operating expense is bigger than operational income especially in interest income.

4.14.7. Non Performing Loan NPL

Non Performing Loan NPL Ratio in 2015 and 2014 is successfully made under 1 digit each year was 0.74 in 2015 and 0.86 in 2014 in gross. While