Quarterly Financial Overview
Yield Analysis
Bank Only
Cost of Fund Breakdown Trend
7DRR
6.7
6.5
bank bjb
Asset Yield (%)
3Q22
4Q22
1Q23
2Q23
3Q23
Placement to Bl
2.8
3.0
6.6
6.2
8.8
Cost of Fund
Current Account
Interbank Placement
0.9
5.2
1.1
1.2
1.1
-Savings Account
Time Deposit
Securities
4.6
5.2
5.1
5.3
5.3
Loans Yield
10.8
10.8
10.4
10.4
10.4
Asset Yield
Distribution
Loan;
88.9%
SecurOthers;
9.7%1.4%
5.2
5.2
5.2
4.9
4.7
4.5
4.2
Cost of Fund (%)
3Q22
4Q22
1Q23
2Q23
3Q23
Current Account
1.7
1.7
1.5
1.5
1.5
Savings Account
1.0
1.0
1.1
1.1
0.9
3.5
3.2
3.1
3.1
Time Deposit
3.2
3.5
5.2
5.2
5.2
Customers Deposit
2.5
2.6
3.6
3.6
3.5
Loans received
4.6
4.7
6.7
7.2
7.4
1.9
1.8
1.8
1.7
1.7
1.7
1.7
1.7
1.7
1.7
1.5
1.5
1.5
1.4
Interbank Liabilities
1.9
2.0
4.3
4.7
5.5
1.3
1.1
1.1
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
0.9
Debt Securities Issued
8.6
8.8
8.6
8.2
8.4
Cost of Fund
3.0
3.2
4.3
4.3
4.3
2Q23
3Q23
Cost of Fund
Distribution
Deposit;
69.0%
Term Loan; Securite thers;
16.9%
9.4% 4.7%
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