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%