Amar Bank - Layanan Perbankan Digital Yang Berizin Dan Diawasi OJK

BALANCE SHEET In Million IDR	31- Dec-23 Audited	31- Dec-22 Audited	31-Dec-21 Audited	31-Dec-20 Audited	31-Dec-19 Audited	31-Dec-18 Audited
Cash	6,151	6,638	4,764	3,061	3,171	3,294
Demand deposits in Bank Indonesia	66,859	127,073	76,592	67,073	108,364	67,111
Demand deposits in other banks	41,212	90,976	29,158	29,226	19,981	30,6334
Placements with Bank Indonesia and other banks	965,064	1,233,113	1,778,834	1,619,715	1,132,048	244,945
Securities	586,528	719,974	677,624	367,139	101,434	88,655
Loans - net	2,344,745	2,109,583	2,242,889	1,624,104	1,891,376	1,286,157
Premises and equipment - net	4,648	10,626	12,150	14,212	14,358	11,580
Intangible assets - net	2,532	3,363	4,391	266	321	403
Deferred tax assets - net	60,403	79,317	31,024	26,131	40,951	16,289
Others assets	135,552	114,503	251,243	105,335	140,511	107,455

TOTAL ASSETS	4,379,417	4,505,046	5,203,045	4,057,989	3,452,515	1,856,522

Deposits - Third party funds	708,942	1,006,306	3,179,598	2,294,835	1,831,162	1,096,324
Deposits from other banks	218,056	259,203	839,696	632,844	457,836	17,100
Borrowings	-	-	-	-	-	214,429
Taxes payable	27,160	2,635	5,140	4,448	23,917	13,448
Accruals and other liabilities	112,771	47,004	98,500	48,007	53,209	24,454
Post-employment benefits obligation	17,019	13,699	13,526	10,822	7,983	4,866

Shares capital	3,296,890	2,025,377	1,029,268	1,029,268	1,029,268	500,000
Capital deposit funds	-	1,272,661	-	-	-	-
Treasury stock	-61,808
Other comprehensive income	1,685	-2,569	1,208	5,767	5,255	7,067
Retained earnings	58,702	-119,270	36,111	31,996	54,395	7,031

TOTAL LIABILITIES AND EQUITY	4,379,417	4,505,046	5,203,045	4,057,989	3,452,515	1,856,522

PROFIT AND LOSS In Million IDR	31- Dec-23 Audited	31- Dec-22 Audited	31-Dec-21 Audited	31-Dec-20 Audited	31-Dec-19 Audited	31-Dec-18 Audited
Interest revenues	986,531	774,703	702,234	652,086	651,967	306,949
Interest expenses	65,239	118,998	220,007	189,138	145,814	72,058
Net Interest Income	921,292	655,705	482,226	462,948	506,153	234,892
Other Operating Revenues	396,156	266,401	202,244	173,472	127,696	49,347
Total Operating Revenues	1,317,448	922,105	684,470	636,420	633,848	284,239

Provision for Impairment Losses	651,837	631,741	300,968	339,101	339,315	158,488
Personnel expenses	243,125	187,342	172,363	145,002	118,684	58,773
General and administrative expenses	229,921	304,649	204,096	123,035	91,221	42,819

Loss/Income from Operations	192,565	-201,627	7,043	29,282	84,628	24,158

Non-Operating Income Expenses	27,460	983,044	6,228	3,176	3,121	1,898

Loss/Net Profit before Taxes	220,025	-202,610	815	26,106	81,507	22,260

Bank Ratio	31- Dec-22 Audited	31- Dec-22 Audited	31-Dec-21 Audited	31-Dec-20 Audited	31-Dec-19 Audited	31-Dec-18 Audited
Return on assets	4.78%	-4.75%	0.02%	0.74%	2.99%	1.59%
Return on equity	5.62%	-8.40%	0.40%	0.81%	7.45%	3.45%
Net Interest Margin	20.23%	15.87%	11.80%	13.52%	19.30%	18.02%
BOPO Biaya Operasi / Pendapatan Operasional	86.07%	119.36%	99.76%	96.73%	89.44	93.69%
Capital Adequacy Ratio CAR	119.23%	82.52%	29.85%	45.40%	55.64%	42.43%
Loan to Deposit Ratio LDR	373.61%	220.31%	74.70%	74.32%	112.86%	132.46%
Liquidity Coverage Ratio LCR	2341.77%	2783.70%	1903.30%	663.18%	815.75%	587.71%
Net Stable Funding Ratio NSFR	153.99%	157.20%	126.85%	127.40%	117.83%	136.81%