RASIO NERACA

1. QUICK RATIO

CASH ASSETS
TOTAL DEPOSITS

Tahun 2011 =
1.751.487.000.000 x 100%
48.475.915.000.000

3,613%

Tahun 2012 =
1.803.777.000.000 x 100%
60.494.389.000.000

2,982%

Tahun 2013 =
2.436.772.000.000 x 100%
86.319.710.000.000

2,823%

Tahun 2014 =
2.192.825.000.000 x 100%
97.009.725.000.000

2,259%

Tahun 2015 =
2.012.662.000.000 x 100%
90.341.596.000.000

2,228%

Tahun 2011 =
1.751.487.000.000 x 100%
8.335.213.000.000

21,013%

Tahun 2012 =
1.803.777.000.000 x 100%
11.260.614.000.000

16,018%

Tahun 2013 =
2.436.772.000.000 x 100%
13.008.193.000.000

18,733%

Tahun 2014 =
2.192.825.000.000 x 100%
15.319.143.000.000

14,314%

Kesimpulan :KemampuanPermata Bank

dalammemenuhikewajibankepadadeposanmenurun.
2. CASH RATIO

LIQUID ASSETS
SHORT TERM BORROWING ( STB)

Tahun 2015 =
2.012.662.000.000
14,082%
14.292.355.000.000

x 100%

Kesimpulan :KemampuanPermata Bank

dalammemenuhikeajibanutangjangkapendekmenurun.

3. INVESTING POLICY RATIO

MARKETABLE SECURITIES
TOTAL DEPOSITS

Tahun 2011 =
8.342.919.000.000
17,210%
48.475.915.000.000

x 100%

Tahun 2012 =
5.498.786.000.000 x 100%
60.494.389.000.000

9,090%

Tahun 2013 =
10.848.348.000.000
12,568%
86.319.710.000.000

x 100%

Tahun 2014 =
18.858.037.000.000
19,439%
97.009.725.000.000

x 100%

Tahun 2015 =
14.909.196.000.000
16,503%
90.341.596.000.000

x 100%

Kesimpulan :KemampuanPermata Bank dalampencairansuratsuratberhargamenurun.

4. BANKING RATIO

TOTAL LOANS
TOTAL DEPOSITS

5. LOAN TO ASSET RATIO

TOTAL LOANS
TOTAL ASSETS

6. LOAN TO DEPOSIT + EQUITY

TOTAL LOANS
DEPOISTS+ EQUITY

7. INVESTMENT RISK RATIO (1)

MARKET VALUE OF SECURITIES

STATED VALUE OF SECURITIES

8. INVESTMENT RISK RATIO (2)

LIQUID ASSETSSTB
TOTAL DEPOSITS

9. CREDIT RISK RATIO

BAD D EBTS
TOTAL LOANS

10.DEPOSIT RISK RATIO

TOTAL EQUITY CAPITAL

TOTAL DEPOSITS

Tahun 2011 =
9.136.208.000.000 x 100%
48.475.915.000.000

18,85%

Tahun 2012 =
12.495.534.000.000
20,66%
60.494.389.000.000

x 100%

Tahun 2013 =
14.126.644.000.000
16,37%
86.319.710.000.000

x 100%

Tahun 2014 =
17.083.109.000.000
17,61%
97.009.725.000.000

x 100%

Tahun 2015 =
18.812.844.000.000
20,82%
90.341.596.000.000

x 100%

Kesimpulan :
KemampuanPermata Bank untukmembayarkembalidana yang disimpan para
deposannyacukupbaik.
11.PRIMARY RATIO

EQUITY CAPITAL
TOTAL ASSETS

Tahun 2011 =
9.136.208.000.000
101.324.002.000.000

x 100%

9,02%

Tahun 2012 =
12.495.534.000.000
131.798.595.000.000

x 100%

9,48%

Tahun 2013 =
14.126.644.000.000
165.833.922.000.000

x 100%

8,52%

Tahun 2014 =

x 100%

9,22%

17.083.109.000.000

185.353.670.000.000
Tahun 2015 =
18.812.844.000.000
10,30%
182.689.351.000.000

x 100%

Kesimpulan :
KemampuanPermata Bank dalammendapatkan asset
denganmenggunakanekuitascukupbaik.
12.RISK ASSETS RATIO

EQUITY CAPITAL
(TACASHMS )

Tahun 2011 =
9.136.208.000.000 x 100%
(101.324.002.000.000-1.751.487.000.000-8.342.919.000.000)
=

10,01%

Tahun 2012 =
12.495.534.000.000
x 100%
(131.798.595.000.000-1.803.777.000.000-5.498.786.000.000)
= 10,04%
Tahun 2013 =

14.126.644.000.000

x 100%

(165.833.922.000.000-2.436.772.000.000-10.848.348.000.000)
= 9,26%
Tahun 2014 =

17.083.109.000.000

x 100%

(185.353.670.000.000-2.192.825.000.000-18.858.037.000.000)
= 10,40%

Tahun 2015 =

18.812.844.000.000

x 100%

(182.869.351.000.000-2.012.662.000.000-14.909.196.000.000)
=
Kesimpulan :

11,34%

Risikopenurunan asset semakintinggi ratio, makasemakinaman.

13.SECONDARY RISK RATIO

EQUITY CAPITAL
SECONDARY RISK ASSET (SRA)

14.CAPITAL RATIO

( EQUITY + RESERVE)
TOTAL LOANS
15.CAPITAL ADEQUACY RATIO 1

( EQUITY CAPITAL ASSETS )

(TOTAL LOANS+ SECURITIES)
16.CAPITAL ADEQUACY RATIO 2

EQUITY CAPITAL
(TOTAL LOANS+ SECURITIES)

RASIO LABA RUGI

1. GROSS PROFIT MARGIN

(OPERATING INCOMEOPERATING EXPENSE )

OPERATING INCOME

2. NET PROFIT MARGIN

NET INCOME
OPERATING INCOME

3. RETURN ON EQUITY

NET INCOME
EQUITY CAPITAL

4. RETURN ON ASSET

OPERATING INCOME
TOTAL ASSETS

5. NET INCOME TO TOTAL ASSETS RATIO

TOTAL ASSET

NET INCOME

6. RATE OF RETURN ON LOANS

INTEREST INCOME
LOANS
7. INTEREST MARGIN ON EARNING ASSET

INTEREST EARNING INTEREST EXPENSE

EARNING ASSETS
8. INTEREST MARGIN ON LOSS

INTEREST INCOMEINTEREST EXPENSE

TOTAL LOANS

9. LEVERAGE MULTIPLIER

TOTAL ASSETS
TOTAL EQUITY

10.ASSETS UTILIZATION

OPERATING INCOME+ NONOPERATING INCOME

ASSETS

11.INTEREST EXPENSE RATIO

INTEREST EXPENSE
TOTAL DEPOSITS

12.COST OF MONEY

INTEREST EXPENSE +OVERHEAD COST

TOTAL FUNDS