Financial Highlight - Amar Bank - Layanan Perbankan Digital Yang Terdaftar Di OJK

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%