Quarterly Financial Overview
Key Ratios
bank bjb
Bank Only
Key Ratios (%)
3Q22
4Q22
1Q23
2Q23
3Q23
YOY
Return on Assets/ROA (Net)
1.5
1.4
0.9
1.1
1.1
-0.4
Return on Equity/ROE (Net)
16.9
15.5
9.2
11.7
12.0
-4.9
Cost to Income Ratio/CIR
66.8
70.0
75.4
71.0
69.4
+2.7
Profitability
Expenses Ratio/BOPO
78.7
80.4
87.8
85.0
84.7
+6.0
Net Interest Margin/NIM
5.8
5.9
4.8
4.8
4.9
-1.0
Assets Yield
8.8
9.0
9.0
9.0
9.1
+0.2
Cost of Fund/COF
3.0
3.2
4.3
4.3
4.3
+1.3
Special Mention Ratio
2.1
1.9
2.3
2.4
2.4
+0.3
Non-Performing Loan/NPL (Gross)
1.07
1.16
1.21
1.22
1.26
+0.19
Asset
Quality
Non-Performing Loan/NPL (Nett)
0.4
0.5
0.5
0.3
0.6
+0.3
Loan At Risk/LAR
6.4
6.1
6.4
6.4
6.2
-0.2
Coverage Ratio
148.9
124.3
121.9
119.1
114.7
-34.2
Cost of Credit/COC
0.3
0.1
0.1
0.1
0.2
-0.1
Loan To Deposit Ratio/LDR
88.2
85.0
86.0
90.4
92.4
+4.2
Macroprudential Intermediation Ratio/RIM
87.1
84.5
85.7
90.2
92.1
+5.1
Funding,
Macroprudential Inclusive
Liquidity &
Capital
60.4
62.0
61.8
61.4
58.6
-1.9
Financing Ratio/RPIM
Net Stable Funding Ratio/NSFR
100.9
104.8
102.5
100.9
100.0
-0.8
Liquidity Coverage Ratio/LCR
207.9
206.7
207.2
198.1
196.9
-11.1
Capital Adequacy Ratio/CAR
17.7
19.2
21.1
20.1
19.6
+1.9
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