I. Capital
1. CAR
26.56 27.89
2. Premises and Equipment to Capital
18.97 20.61
II. Earning Assets
1. Non-Performing Earning Assets
3.59 2.97
2. NPL :
- Gross NPL 7.49
7.44 - Net NPL
1.74 2.00
3. Allowance for Possible Losses on Earning Assets
4.91 5.45
4. Compliance for Allowance for Possible Losses on
Earning Assets 135.61
172.85
III. Rentability
1. ROA
3.59 2.66
2. ROE
30.06 30.64
3. NIM
4.41 3.29
4. Operating Expenses to Operating Income
63.41 78.98
IV. Liquidity
LDR 49.77
39.31
V. Compliance
1. a. Percentage Violation of Legal Lending Limit
a.1. Related Parties -
- a.2. Third Parties
- -
b. Percentage of Lending in Excess of the Legal Lending Limit
a.1. Related Parties -
- a.2. Third Parties
- -
2 Reserve Requirement Rupiah
8.09 5.38
3 Net Open Position
3.86 1.70
Premises and equipment are computed after deducted by accumulated depreciation. Operating expenses include interest expenses, provision for possible losses on earning assets, provision for
possible losses on other assets divided by operational income include interest income.
As of September 30, 2004 and 2003 Bank
KEY RATIOS NO
Sept. 30, 2004 Unaudited
Sept. 30, 2003 Unaudited
I. COMPONENTS A. Core Capital
19,704,292 16,999,747
1. Paid-Up Capital
10,047,065 10,000,000
2. Disclosed Reserves
a. Agio 5,955,806
5,926,418 b. Disagio --
- -
c. Share Options 14,881
- d. Donated CapitalAdditional paid-in capital
- -
e. General and Appropriated Reserves 747,000
- f. Previous Years Profit After Tax
743,715 -
g. Previous Years Losses -- -
- h. Current Year Profit After Tax 50
2,196,890 1,051,376
i. Current Year Losses -- -
- j. Differences Arising from Translation of Financial Statements
in Foreign Currencies 1 Positive Adjustment
- 21,953
2 Negative Adjustment -- 1,065
- k. Funds for Paid-Up Capital
- -
l. Decline in Value of Equity Participation in Available for Sale Portfolio -- -
- m. Differences Arising from Restructuring of Transaction among Entities
under Common Control -
-
3. Goodwill -- -
-
B. Supplemental Capital 9,268,444
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