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Adira Dinamika Multi Finance

Adira Dinamika Multi Finance's net profit rose 13.0% yoy to IDR 487 bil in 2Q2019

By Helgi Library - October 24, 2019

Adira Dinamika Multi Finance made a net profit of IDR 487 bil under revenues of IDR 2,227 bil in the second quarter of 2019, up 13% a...

Adira Dinamika Multi Finance's price/earnings (P/E) rose 4.30% yoy to 5.21 in 2Q2019

By Helgi Library - October 24, 2019

Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end second quarter of 2019 implying a market capitalization of USD 69...

Adira Dinamika Multi Finance's net interest margin fell 4.00% yoy to 21.5% in 2Q2019

By Helgi Library - October 24, 2019

Adira Dinamika Multi Finance's net interest margin amounted to 21.5% in the second quarter of 2019, down from 22.1% when compare...

Annual Quarterly LTM
Profit Statement Dec 2018 Mar 2019 Jun 2019
Net Interest Income IDR bil 1,743 1,788 1,797
Net Fee Income IDR bil 237 209 212
Other Income IDR bil 224 227 217
Total Revenues IDR bil 2,205 2,224 2,227
Operating Profit IDR bil 1,105 1,098 1,113
Provisions IDR bil 481 466 442
Net Profit IDR bil 463 462 487
Balance Sheet Dec 2018 Mar 2019 Jun 2019
Interbank Loans IDR bil 0.650 0.650 0.650
Customer Loans IDR bil 23,501 25,005 26,353
Total Assets IDR bil 31,496 33,196 33,680
Shareholders' Equity IDR bil 7,028 6,570 6,984
Interbank Borrowing IDR bil 0 0 0
Customer Deposits IDR bil 0 0 0
Issued Debt Securities IDR bil 21,200 21,992 23,057
Ratios Dec 2018 Mar 2019 Jun 2019
ROE % 27.5 27.2 28.7
ROA % 5.96 5.72 5.82
Costs (As % Of Assets) % 14.1 13.9 13.3
Costs (As % Of Income) % 49.9 50.6 50.0
Net Interest Margin % 22.4 22.1 21.5
Valuation Dec 2018 Mar 2019 Jun 2019
Price/Earnings (P/E) 5.01 5.94 5.21
Price/Book Value (P/BV) 1.29 1.66 1.41
Dividend Yield % 0 0 0
Earnings Per Share (EPS) IDR 1,815 1,835 1,890
Book Value Per Share IDR 7,028 6,570 6,984
Dividend Per Share IDR 0 0 0

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summary Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
income statement                                                                                
Net Interest Income IDR bil                                                                   3,239 1,599 1,667 1,714 1,743    
Total Revenues IDR bil                                                                   2,626 2,016 2,071 2,155 2,205    
Operating Profit IDR bil                                                                   1,650 1,012 1,019 1,112 1,105    
Net Profit IDR bil                                                                   317 443 431 478 463    
balance sheet                                                                                
Interbank Loans IDR bil                                                                   0.650 0.650 0.650 0.650 0.650    
Customer Loans IDR bil                                                                   17,319 18,510 20,470 21,736 23,501    
Total Assets IDR bil                                                                   29,493 29,788 29,754 30,741 31,496    
Shareholders' Equity IDR bil                                                                   5,745 6,199 5,980 6,451 7,028    
Interbank Borrowing IDR bil                                                           ...       0 0 0 0 0    
Customer Deposits IDR bil                                                                   0 0 0 0 0    
Issued Debt Securities IDR bil                                                                   0 19,884 20,466 20,804 21,200    
ratios                                                                                
ROE %                                                                   22.6 29.7 28.3 30.8 27.5    
ROA %                                                                   4.40 5.98 5.79 6.32 5.96    
Costs (As % Of Assets) %                                                                   13.5 13.5 14.1 13.8 14.1    
Costs (As % Of Income) %                                                                   37.2 49.8 50.8 48.4 49.9    
Net Interest Margin %                                                                   44.9 21.6 22.4 22.7 22.4    
Interest Income (As % Of Revenues) %                                                                   123 79.3 80.5 79.5 79.1    
Fee Income (As % Of Revenues) %                                                             ...     -23.3 9.39 9.76 9.33 10.8    
Equity (As % Of Assets) %                                                                   19.5 20.8 20.1 21.0 22.3    
Loans (As % Assets) %                                                                   58.7 62.1 68.8 70.7 74.6    
valuation                                                                                
Market Capitalisation (End Of Period) USD mil                                                                   526 647 555 563 628    
Number Of Shares (Average) mil                                                                   1,000 1,000 1,000 1,000 1,000    
Share Price (End Of Period) RUB                                                                   7,125 8,900 8,000 8,400 9,100    
Earnings Per Share (EPS) IDR                                                                   1,409 1,524 1,601 1,669 1,815    
Book Value Per Share IDR                                                                   5,745 6,199 5,980 6,451 7,028    
Dividend Per Share IDR                                                                   0 0 0 0 0    
Price/Earnings (P/E)                                                                   5.06 5.84 5.00 5.03 5.01    
Price/Book Value (P/BV)                                                                   1.24 1.44 1.34 1.30 1.29    
Dividend Yield %                                                                   0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ...                                                           39.6 45.0 45.8 39.4 28.8    
Book Value Per Share Growth % ... ... ... ...                                                           15.4 17.6 17.8 17.5 22.3    
income statement Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
income statement                                                                                
Interest Income IDR bil                                                                   3,679 2,031 2,075 2,147 2,207    
Interest Cost IDR bil                                                                   440 433 409 433 463    
Net Interest Income IDR bil                                                                   3,239 1,599 1,667 1,714 1,743    
Net Fee Income IDR bil                                                             ...     -612 189 202 201 237    
Other Income IDR bil                                                             ...     0 228 202 240 224    
Total Revenues IDR bil                                                                   2,626 2,016 2,071 2,155 2,205    
Operating Cost IDR bil                                                                   977 1,003 1,052 1,043 1,099    
Operating Profit IDR bil                                                                   1,650 1,012 1,019 1,112 1,105    
Provisions IDR bil                                                                   485 408 424 451 481    
Extra and Other Cost IDR bil                                                                   670 0 0 0 0    
Pre-Tax Profit IDR bil                                                                   494 605 595 661 624    
Tax IDR bil                                                                   177 162 164 183 161    
Minorities IDR bil                                                                   0 0 0 0 0    
Net Profit IDR bil                                                                   317 443 431 478 463    
growth rates                                                                                
Net Interest Income Growth % ... ... ... ...                                                           162 133 -14.8 17.4 -46.2    
Net Fee Income Growth % ... ... ... ...                                                     ...     -196 ... -212 -191 -139    
Total Revenue Growth % ... ... ... ...                                                           40.1 18.7 16.6 73.9 -16.1    
Operating Cost Growth % ... ... ... ...                                                           24.9 17.1 20.1 23.0 12.5    
Operating Profit Growth % ... ... ... ...                                                           51.1 20.3 13.1 184 -33.0    
Pre-Tax Profit Growth % ... ... ... ...                                                           -1.22 25.4 12.3 7.28 26.3    
Net Profit Growth % ... ... ... ...                                                           201 35.2 21.8 16.5 46.0    
balance sheet Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
balance sheet                                                                                
Cash IDR bil                                                                   2,222 1,463 1,536 1,480 1,689    
Interbank Loans IDR bil                                                                   0.650 0.650 0.650 0.650 0.650    
Customer Loans IDR bil                                                                   17,319 18,510 20,470 21,736 23,501    
Fixed Assets IDR bil                                                                   208 328 340 369 365    
Total Assets IDR bil                                                                   29,493 29,788 29,754 30,741 31,496    
Shareholders' Equity IDR bil                                                                   5,745 6,199 5,980 6,451 7,028    
Of Which Minority Interest IDR bil                                                                   0 0 0 0 0    
Liabilities IDR bil                                                                   23,748 23,589 23,774 24,290 24,468    
Interbank Borrowing IDR bil                                                           ...       0 0 0 0 0    
Customer Deposits IDR bil                                                                   0 0 0 0 0    
Issued Debt Securities IDR bil                                                                   0 19,884 20,466 20,804 21,200    
Other Liabilities IDR bil                                                           ...       23,748 3,705 3,308 3,487 3,268    
asset quality                                                                                
Gross Loans IDR bil                                                                   18,160 19,450 21,516 22,849 24,697    
Total Provisions IDR bil                                                                   841 940 1,047 1,113 1,196    
growth rates                                                                                
Customer Loan Growth % ... ... ... ...                                                           8.60 22.9 33.4 38.2 35.7    
Total Asset Growth % ... ... ... ...                                                           6.69 7.03 4.59 8.79 6.79    
Shareholders' Equity Growth % ... ... ... ...                                                           15.4 17.6 17.8 17.5 22.3    
ratios Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
ratios                                                                                
ROE %                                                                   22.6 29.7 28.3 30.8 27.5    
ROA %                                                                   4.40 5.98 5.79 6.32 5.96    
Costs (As % Of Assets) %                                                                   13.5 13.5 14.1 13.8 14.1    
Costs (As % Of Income) %                                                                   37.2 49.8 50.8 48.4 49.9    
Net Interest Margin %                                                                   44.9 21.6 22.4 22.7 22.4    
Interest Spread % ...                                                                 43.4 20.1 21.0 21.2 20.8    
Asset Yield %                                                                   51.0 27.4 27.9 28.4 28.4    
Cost Of Liabilities % ...                                                                 7.57 7.32 6.90 7.21 7.60    
Payout Ratio %                                                                   0 0 0 0 0    
Interest Income (As % Of Revenues) %                                                                   123 79.3 80.5 79.5 79.1    
Fee Income (As % Of Revenues) %                                                             ...     -23.3 9.39 9.76 9.33 10.8    
Other Income (As % Of Revenues) %                                                             ...     0 11.3 9.76 11.1 10.2    
Equity (As % Of Assets) %                                                                   19.5 20.8 20.1 21.0 22.3    
Loans (As % Assets) %                                                                   58.7 62.1 68.8 70.7 74.6    
Provisions (As % Of Loans) %                                                                   4.86 5.08 5.11 5.12 5.09    
Cost of Provisions (As % Of Loans) %                                                                   11.7 9.10 8.71 8.55 8.50    
other data Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
other data                                                                                
Employees                                                                   13,470 4,622 4,622 13,513 13,397    

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Adira Dinamika Multi Finance's market capitalisation (end of period) fell 8.97% to USD 697 mil in 2Q2019

By Helgi Library - October 24, 2019

Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end of second quarter of 2019 implying a market capitalization of USD 697 mil. Over the last five years, the stock has depreciated by 13.2 implying an annual average growth of -2.80% ...

Adira Dinamika Multi Finance's net interest income rose 7.83% yoy to IDR 1,797 bil in 2Q2019

By Helgi Library - October 24, 2019

Adira Dinamika Multi Finance generated total banking revenues of IDR 2,227 bil in the second quarter of 2019, up 7.52% when compared to the same period of last year and 0.125% when compared to the previous quarter. Historically, the bank’s revenues containing...

Adira Dinamika Multi Finance's share price (end of period) rose 23.1% yoy to RUB 9,850 in 2Q2019

By Helgi Library - October 24, 2019

Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end of second quarter of 2019 implying a market capitalization of USD 697 mil. Over the last five years, the stock has depreciated by -13.2 % implying an annual average growth of -2.80 %. In absol...

Adira Dinamika Multi Finance's equity (as % of assets) rose 3.17% yoy to 20.7% in 2Q2019

By Helgi Library - October 24, 2019

Adira Dinamika Multi Finance's Equity reached 22.8% of total assets in the 2Q2019, up from 19.5% for the previous year. As a share of net customer loans, the ratio amounted to 29.6% at the end of the second quarter of 2019. ...

Adira Dinamika Multi Finance's net profit rose 28.8% to IDR 1,815 bil in 2018

By Helgi Library - September 26, 2019

Adira Dinamika Multi Finance made a net profit of IDR 1,815 bil under revenues of IDR 8,446 bil in 2018, up 28.8% and 15.1% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of IDR 1,815 bil in 2018 and an all time l...

Adira Dinamika Multi Finance's net interest margin fell 14.2% to 22.0% in 2018

By Helgi Library - September 26, 2019

Adira Dinamika Multi Finance's net interest margin amounted to 22.0% in 2018, down from 25.7% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 33.3% in 2010 and an all time low of 12.2% in 2014. The...

Adira Dinamika Multi Finance's price/earnings (P/E) fell 0.854% to 5.01 in 2018

By Helgi Library - September 26, 2019

Adira Dinamika Multi Finance stock traded at RUB 9,100 per share at the end 2018 implying a market capitalization of USD 672 mil. Since the end of 2013, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the compa...

Adira Dinamika Multi Finance's employees fell 0.542% to 13,397 in 2018

By Helgi Library - September 26, 2019

Adira Dinamika Multi Finance employed 13,397 persons in 2018, down 0.542% when compared to the previous year. Historically, the bank's workforce hit an all time high of 16,708 persons in 2014 and an all time low of 13,397 in 2018. Average cost reached USD 933 per ...

Adira Dinamika Multi Finance's net interest income fell 8.42% to IDR 6,722 bil in 2018

By Helgi Library - September 26, 2019

Adira Dinamika Multi Finance generated total banking revenues of IDR 8,446 bil in 2018, up 15.1% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of IDR 8,446 bil...

Adira Dinamika Multi Finance's costs (as % of assets) rose 10.5% to 13.8% in 2018

By Helgi Library - September 26, 2019

Adira Dinamika Multi Finance's cost to income ratio reached 49.7% in 2018, up from 48.5% compared to the previous year. Historically, the bank’s costs reached an all time high of 54.3% of income in 2015 and an all time low of 48.0% in 2016. When compared t...

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Finance

Adira Dinamika Multi Finance has been growing its revenues and asset by 12.9% and 4.32% a year on average in the last 3 years. Its loans and deposits have grown by 0.159% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 25.4% in the last three years with net profit growing 39.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.7% in 2018, compared to 48.7% average in the last three years.

Equity represented 22.3% of total assets or 29.9% of loans at the end of 2018. Adira Dinamika Multi Finance's non-performing loans were 20.2% of total loans while provisions covered some 23.9% of NPLs at the end of 2018.

Valuation

Adira Dinamika Multi Finance stock traded at RUB 9,100 per share at the end of 2018 resulting in a market capitalization of USD 672 mil. Over the previous five years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 21.6% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 5.01x and price to book value (PBV) of 1.29x in 2018.

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