Amar Bank - Layanan Perbankan Digital Yang Berizin Dan Diawasi OJK

BALANCE SHEET In Million IDR	31-Dec-25 Audited	31- Dec-24 Audited	31- Dec-23 Audited	31- Dec-22 Audited	31-Dec-21 Audited	31-Dec-20 Audited
Cash	2,996	3,525	6,151	6,638	4,764	3,061
Demand deposits in Bank Indonesia	141,727	63,872	66,859	127,073	76,592	67,073
Demand deposits in other banks - net	20,911	14,982	41,212	90,976	29,158	29,226
Placements with Bank Indonesia and other banks - net	1,018,840	884,760	965,064	1,233,113	1,778,834	1,619,715
Securities	1,831,464	1,123,996	586,528	719,974	677,624	367,139
Securities purchased under resale agrement	47,074	-
Loans - net	3,462,573	2,546,436	2,344,745	2,109,583	2,242,889	1,624,104
Premises and equipment - net	12,198	5,746	4,648	10,626	12,150	14,212
Right of use assets - net	3.712	7.847	4.648	9.880	11.510.882	11.389.420
Intangible assets - net	883	1,344	2,532	3,363	4,391	266
Deferred tax assets - net	46,870	39,027	60,403	79,317	31,024	26,131
Others assets	174,281	176,135	135,552	114,503	251,243	105,335

TOTAL ASSETS	6,763,529	4,867,670	4,379,417	4,505,046	5,203,045	4,057,989

Deposits - Third party funds	2.862.285	1,084,383	708,942	1,006,306	3,179,598	2,294,835
Deposits from other banks	302,727	261,071	218,056	259,203	839,696	632,844
Taxes payable	24,991	7,742	27,160	2,635	5,140	4,448
Accruals and other liabilities	124,337	154,163	112,771	47,004	98,500	48,007
Post-employment benefits obligation	27,278	20,927	17,019	13,699	13,526	10,822

Shares capital	3,296,890	3,296,890	3,296,890	2,025,378	1,029,268	1,029,268
Capital deposit funds			-	1,272,661	-	-
Treasury stock	103,769	103,769	61,808	-	-	-
Other comprehensive income	9,997	(1.655)	1,685	-2,569	1,208	5,767
Retained earnings	214,515	145,738	58,702	-119,270	36,111	31,996

TOTAL LIABILITIES AND EQUITY	6,763,529	4,867,670	4,379,417	4,505,046	5,203,045	4,057,989

PROFIT AND LOSS In Million IDR	31-Dec-25 Audited	31-Dec-24 Audited	31- Dec-23 Audited	31- Dec-22 Audited	31-Dec-21 Audited	31-Dec-20 Audited
Interest revenues	1,439,938	1,226,359	986,531	774,703	702,234	652,086
Interest expenses	107,855	65,486	65,239	118,998	220,007	189,138
Net Interest Income	1,332,083	1,160,873	921,292	655,705	482,226	462,948
Other Operating Revenues	638,584	510,805	396,156	266,401	202,244	173,472
Total Operating Revenues	1,970,667	1,671,678	1,317,448	922,105	684,470	636,420

Provision for Impairment Losses	1,059,454	832,833	651,837	631,741	300,968	339,101
Personnel expenses	292,614	247,034	243,125	187,342	172,363	145,002
General and administrative expenses	302,211	316,265	229,921	304,649	204,096	123,035

Loss/Income from Operations	316,388	275,546	192,565	-201,627	7,043	29,282

Non-Operating Income Expenses	(2,581)	(520)	27,460	983,044	6,228	3,176

Net Profit / (Loss) before Taxes	313.807	275,026	220,025	-202,610	815	26,106

Net Profit / (Loss) for the Period	249,635	214,992	177,972	(155,381)	4.1	8.6
Bank Ratio	31-dec-25 Audited	31-Dec-24 Audited	31- Dec-23 Audited	31- Dec-22 Audited	31-Dec-21 Audited	31-Dec-20 Audited
Return on assets	5.61%	5.85%	4.78%	-4.75%	0.02%	0.74%
Return on equity	7.46%	6.60%	5.62%	-8.40%	0.40%	0.81%
Net Interest Margin	23.19%	24.38%	20.23%	15.87%	11.80%	13.52%
BOPO Biaya Operasi / Pendapatan Operasional	84.78%	84.14%	86.07%	119.36%	99.76%	96.73%
Capital Adequacy Ratio CAR	98.47%	126.31	119.23%	82.52%	29.85%	45.40%
Loan to Deposit Ratio LDR	138.84%	267.68%	373.61%	220.31%	74.70%	74.32%
Liquidity Coverage Ratio LCR	2,150.63%	4,367.48%	2341.77%	2783.70%	1903.30%	663.18%
Net Stable Funding Ratio NSFR	149.74%	169.26%	153.99%	157.20%	126.85%	127.40%