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Special Financing (ABL) - Multipurpose Loan
Investment - Fix Loan Angsuran
Investment - Fix Loan Tetap
Corporate
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Investment - Fix Loan Tetap
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Working Capital - Fix Loan Angsuran
Working Capital - Overdraft Loan
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ID
EN
About Us
About Amar
A glance of Bank Amar
Management
Board of Commissioners
Directors
Corporate Secretary
Corporate Social Responsibility
Governance Structure
Good Corporate Governance
Investor Relation
Report & Presentations
Financial Highlight
Stock Performance
Investor News
Investor Relations
SBDK
Product & Service
Personal
Saving
Aster
Amar Dana
Tamara (Tabungan Amar Berjangka)
Current Account
Time Deposit
Business
Saving
Saving
Amar Dana
Current Account
Time Deposit
Loan
SME
Working Capital - Overdraft Loan
Working Capital - Fix Loan Angsuran
Working Capital - Fix Loan Tetap
Working Capital - Stand by Loan
Special Financing (ABL) - Working Capital
Special Financing (ABL) - Investment
Special Financing (ABL) - Multipurpose Loan
Investment - Fix Loan Angsuran
Investment - Fix Loan Tetap
Corporate
Investment - Fix Loan Angsuran
Investment - Fix Loan Tetap
Working Capital - Fix Loan Tetap
Working Capital - Fix Loan Angsuran
Working Capital - Overdraft Loan
Special Financing - Multifinance
Special Financing - RURAL Bank
Special Financing - Cooperative
Senyumku
Tunaiku
Career & Culture
Media
Help Center
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Daftar Sekarang
Financial Highlight
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Financial Highlight
BALANCE SHEET - In Thousand IDR
31-Dec-18
31-Dec-17
31-Dec-16
31-Dec-15
31-Dec-14
Cash
3,293,592
3,101,494
3,085,406
2,051,811
2,410,473
Demand deposits with Bank Indonesia
67,111,096
21,298,807
5,423,203
7,304,193
3,628,374
Demand deposits with other banks
30,633,507
9,011,649
4,732,815
6,138,656
4,056,989
Placements with Bank Indonesia and other banks
244,944,510
259,891,717
123,818,383
166,463,356
75,063,861
Securities
88,654,865
104,859,341
64,623,008
39,356,654
21,831,192
Loans - net
1,286,156,939
324,816,565
304,584,449
253,022,488
59,289,851
Premises and equipment - net
11,580,407
9,506,305
9,830,290
9,967,872
8,237,391
Intangible assets - net
403,348
584,821
752,487
838,408
2,600
Deferred tax assets - net
16,289,207
7,942,174
10,331,377
1,506,837
776,783
Others assets
107,454,653
105,134,382
20,880,812
7,955,408
55,704,630
TOTAL ASSETS
1,856,522,124
846,147,255
548,062,230
494,605,683
231,002,144
Deposits
1,096,323,953
358,035,762
68,548,905
85,686,928
31,027,037
Deposits from other banks
17,100,000
-
-
-
-
Borrowings
214,428,571
-
-
-
-
Taxes payable
13,447,924
582,782
293,932
1,421,775
77,641
Accruals and other liabilities
24,453,722
5,694,267
4,537,677
7,072,720
71,035,608
Post-employment benefits obligation
4,865,841
3,134,134
2,206,485
-
-
Shares capital
500,000,000
500,000,000
500,000,000
400,000,000
132,000,000
Other comprehensive income
(7,066,779)
2,022,030
(471,091)
(183,019)
(219,366)
Retained earnings (Deficit)
(7,031,108)
(23,321,720)
(27,053,678)
607,278
(2,918,776)
TOTAL LIABILITIES AND EQUITY
1,856,522,124
846,147,255
548,062,230
494,605,682
231,002,144
PROFIT AND LOSS - In Thousand IDR
31-Dec-18
31-Dec-17
31-Dec-16
31-Dec-15
31-Dec-14
Interest revenues
306,949,126
85,270,998
80,566,991
38,265,300
15,920,618
Interest expenses
(72,057,619)
(12,578,977)
(4,704,761)
(3,624,037)
(480,006)
Net Interest Income
234,891,507
72,692,021
75,862,230
34,641,264
15,440,612
Other Operating Revenues
49,347,437
21,926,651
10,290,829
1,795,953
356,610
Provision for Impairment Losses
(158,487,749)
(30,915,566)
(75,350,914)
(4,513,941)
(1,320,310)
Personnel expenses
(58,773,479)
(27,252,446)
(20,641,998)
(15,657,878)
(7,361,167)
General and administrative expenses
(42,819,228)
(26,583,045)
(25,761,503)
(12,030,133)
(6,590,198)
Income from Operations
24,158,488
9,867,615
(35,601,356)
4,235,265
525,547
Non-Operating Income (Expenses)
(1,898,225)
(4,577,494)
(788,117)
(104,038)
(25,207)
Net Profit before Taxes
22,260,263
5,290,121
(36,389,473)
4,131,227
500,340
Profitability
ROA
1.59%
0.79%
-5.08%
1.15%
0.27%
ROE
3.45%
0.87%
-5.98%
1.25%
0.28%
NIM (Margin Bunga Bersih)
18.02%
12.67%
14.45%
10.37%
9.81%
BOPO (Biaya Operasi / Pendapatan Operasional)
93.69%
98.48%
140.40%
89.53%
96.89%
Asset Quality
NPL Ratio - Gross
4.96%
8.29%
6.56%
0.54%
1.79%
NPL Ratio - Net
-0.61%
3.14%
1.75%
-
1.19%
Capital
CAR - Rasio Kecukupan Modal
42.43%
84.86%
125.90%
145.81%
94.42%
Liquidity
LDR (Kredit yang diberikan terhadap Dana Masyarakat)
132.46%
95.65%
466.78%
300.97%
192.24%
Compliance
GWM (Giro Wajib Minimum)
6.51%
6.82%
7.56%
8.24%
9.24%