PEKANBARU- PT. Bank Riau Kepri (BRK) continues to work hard to increase profits despite the global economic slowdown and by the end of 2015 in Riau and Sumatra Island suffered the smog disaster which indirectly resulted in the lack of economy.
"Besides the enactment of the regulation of the Minister of Finance No.235 year 2015 where government funds are converted into the form of State Securities (SBN), declining oil prices and reduce the DBH of Riau and Riau Islands so as to have an impact on the performance of Bank Riau Kepri," said Director of BRK, Dr. Irvandi Gustari in a news conference in Pekanbaru, Wednesday (6/4/2016).
Irvandi says, an increase in the cost of larger interest, coming from Third Party Funds (DPK) especially government funding also affects acquisition profit the Bank Riau Kepri. But still penetrate the numbers Rp. 418 billion.
That number according to him is indeed smaller than the profit earned in the previous year i.e. Rp. 690 billion.
But Irvandi says that the performance of Bank Riau Kepri in conditions of the global economy slowed, the relatively better than other BPD.
When the media ask Performance Bank Riau Kepri by 2015, Dr. Irvandi also said the performance of Bank Riau Kepri, still better compared than other BPD.
It can be seen from the financial ratios per 31 December 2015, where the value of the CAR (Capital Adequacy Ratio) amounted to 20.78%, ROA (Return on Assets) amounted to 1.69%, ROE (Return on Equity) amounted to 16.9%, NIM (Net Interest Margin) amounted to 6.08%, BOPO (operational costs against operating income) 83.86%, NPL (Non Performing Loan) Gross 4.12% and NPL Net amounted to 0.23%.
When compared with Bank DKI on the financial statements as of 31 December 2015 (audited), CAR (Capital Adequacy Ratio) of 24.53%, ROA (Return on Assets) amounted to 0.89%, ROE (Return on Equity) of 6.11%, NIM (Net Interest Margin) of 6.61%, BOPO (operational costs against operating income) of 85%, the NPL (Non-Performing Loan) Gross 7.69% and NPL Net Of 4.23%.
For another comparison of Bank financial ratios of Banten in West Java (BJB) on the financial statements as of 31 December 2015 (audited), the CAR (Capital Adequacy Ratio) of 15.85%, ROA (Return on Assets) of 2.04%, ROE (Return on Equity) amounted to 23.10%, NIM (Net Interest Margin) amounted to 6.32%, BOPO (operational costs against operating income) 83.31%, NPL (Non Performing Loan) Gross and Net NPL% consisting Of 0.86%.
For Bank of North Sumatra financial ratios per 31 December 2015 (audited), CAR (Capital Adequacy Ratio) of 14%, ROA (Return on Assets) amounted to 2.31%, ROE (Return on Equity) of 22%, NIM (Net Interest Margin) of 7.26%, BOPO (operational costs against operating income) 82.16%, NPL (Non Performing Loan) Gross 5.00% and NPL Net amounting to 1.54%.
As for the other Bank BPD Kaltim financial ratios per 31 December 2015 i.e. CAR (Capital Adequacy Ratio) of 20%, ROA (Return on Assets) amounted to 1.56%, ROE (Return on Equity) amounted to 10.35%, NIM (Net Interest Margin) amounted to 6.03%, BOPO (operational costs against operating income) 85.30%, NPL (Non Performing Loan) 10.35% Gross and NPL Net Of 1.64%.
Financial ratios per 31 December 2015 Bank Nagari (audited), namely: CAR (Capital Adequacy Ratio) of 18%, ROA (Return on Assets) amounted to 2.28%, ROE (Return on Equity) of 20%, NIM (Net Interest Margin) of 6.94%, BOPO (operational costs against operating income) of 80%, the NPL (Non-Performing Loan) Gross 2.74% and NPL Net Of 1.90%.
Data from each of the BPD can be seen the level of Bank Riau Kepri performance very much better relatively compared to five BPD. (MC Riau/hrd)
