Financial Performance Report Q1 2023
Key Ratios
Bank Only
bank bjb
Key Ratios (%)
1Q22
2Q22
3Q22
4Q22
1Q23
YOY
Return on Assets/ROA (Net)
1.5
1.5
1.5
1.4
0.9
-0.6
Return on Equity/ROE (Net)
16.3
17.1
16.9
15.5
9.2
-7.1
Cost to Income Ratio/CIR
64.1
66.2
66.8
70.0
75.4
+11.4
Profitability
Expenses Ratio/BOPO
79.0
78.4
78.7
80.4
87.8
+8.8
Net Interest Margin/NIM
5.7
5.7
5.8
5.9
4.8
-1.0
Assets Yield
8.6
8.7
8.8
9.0
9.0
+0.3
Cost of Fund/COF
3.0
3.0
3.0
3.2
4.3
+1.3
Special Mention Ratio
2.6
2.2
2.1
1.9
2.3
-0.3
Non-Performing Loan/NPL (Gross)
1.2
1.1
1.1
1.2
1.2
+0.0
Asset
Quality
Non-Performing Loan/NPL (Nett)
0.3
0.3
0.4
0.5
0.5
+0.2
Loan At Risk/LAR
7.2
6.7
6.4
6.1
6.4
-0.8
Coverage Ratio
157.1
152.9
148.9
124.3
121.9
-35.2
Cost of Credit/COC
0.7
0.5
0.3
0.1
0.1
-0.6
Loan To Deposit Ratio/LDR
79.2
80.2
88.2
85.0
86.0
+6.8
Macroprudential Intermediation Ratio/RIM
78.1
79.3
87.2
82.6
85.7
+7.5
Funding,
Macroprudential Inclusive
57.4
57.6
60.4
62.0
61.8
+4.4
Liquidity &
Capital
Financing Ratio/RPIM
Net Stable Funding Ratio/NSFR
102.2
107.3
100.9
104.8
102.5
+0.3
Liquidity Coverage Ratio/LCR
262.3
261.6
207.9
206.7
207.2
-55.2
Capital Adequacy Ratio/CAR
17.1
18.0
17.7
19.2
21.1
+4.0
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