2Q2023 Financial Performance Summary
Key Ratios
bank bjb
Bank Only
Key Ratios (%)
2Q22
3Q22
4Q22
1Q23
2Q23
YOY
Return on Assets/ROA (Net)
1.5
1.5
1.4
0.9
1.1
-0.4
Return on Equity/ROE (Net)
17.1
16.9
15.5
9.2
11.7
-5.5
Cost to Income Ratio/CIR
66.2
66.8
70.0
75.4
71.0
+4.8
Profitability
Expenses Ratio/BOPO
78.4
78.7
80.4
87.8
85.0
+6.6
Net Interest Margin/NIM
Assets Yield
5.7
5.8
5.9
4.8
4.8
-0.9
8.7
8.8
9.0
9.0
9.0
+0.4
Cost of Fund/COF
3.0
3.0
3.2
4.3
4.3
+1.3
Special Mention Ratio
2.2
2.1
1.9
2.3
2.4
+0.3
Non-Performing Loan/NPL (Gross)
1.1
1.1
1.2
1.2
1.2
+0.1
Asset
Quality
Non-Performing Loan/NPL (Nett)
0.3
0.4
0.5
0.5
0.6
+0.3
Loan At Risk/LAR
6.7
6.4
6.1
6.4
6.4
-0.3
Coverage Ratio
152.9
148.9
124.3
121.9
119.1
-33.8
Cost of Credit/COC
0.5
0.3
0.1
0.1
0.1
-0.3
Loan To Deposit Ratio/LDR
80.2
88.2
85.0
86.0
90.4
+10.2
Macroprudential Intermediation Ratio/RIM
79.3
87.1
84.5
85.7
90.2
+10.9
Funding,
Macroprudential Inclusive
Liquidity &
Capital
57.6
60.4
62.0
61.8
61.4
+3.8
Financing Ratio/RPIM
Net Stable Funding Ratio/NSFR
107.3
100.9
104.8
102.5
100.9
-6.4
Liquidity Coverage Ratio/LCR
261.6
207.9
206.7
207.2
198.1
-63.6
Capital Adequacy Ratio/CAR
18.0
17.7
19.2
21.1
20.1
+2.0
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