Initial Selection Process & 2016 Bank Ranking Criteria
Initial Selection Process
1. Financial Statement is not disclaimer
2. CAR minimum 10%
3. Operational Profit is positive
4. 2015 Net Profit is positive
5. Bank Assets in 2015 minimum 1 Trillion Rupiah
6. Is not under sanction of the Authorities.
Ranking Criteria
CAR 2015
NPL 2015
ROA 2015
ROE 2015
NIM 2015
BOPO 2015
LDR 2015
Growth of Net Interest Income in 1 year
Growth of Operational Income in 1 year
Growth of Operational Profit in 1 year
Growth of Credit in 1 year
Cost to Asset 2015 Ratio which is comparison of cost (not including interest, impairment loss, and provision for loan losses) and assets.
Scoring:
Financial Ratio (NPL Net, ROA, ROE, NIM, BOPO, Cost to Asset) = 55%
Growth (Net Interest Income, Operational Income, Operational Profit, Credit) = 40%
Financial Ratio (CAR, LDR) = 5%