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Bank Central Asia

Bank Central Asia's net profit rose 4.11% yoy to IDR 7,647 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia made a net profit of IDR 7,647 bil in the fourth quarter of 2019, up 4.11% when compared to the same period of ...

Bank Central Asia's price/earnings (P/E) rose 23.5% yoy to 26.9 in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia stock traded at IDR 33,425 per share at the end fourth quarter of 2019 implying a market capitalization of USD 59,514 mil. ...

Bank Central Asia's npls (as % of loans) rose 2.56% yoy to 2.95% in 4Q2019

By Helgi Library - March 4, 2020

Bank Central Asia's non-performing loans reached 2.95% of total loans at the end of 2019-12-31, up from 2.88% compared to the pre...

Profit Statement 2017 2018 2019
Net Interest Income IDR bil 41,827 45,291 50,477
Net Fee Income IDR bil 10,386 11,996 13,608
Other Income IDR bil 4,574 5,939 7,518
Total Revenues IDR bil 56,787 63,226 71,604
Staff Cost IDR bil 11,335 12,143 13,337
Operating Profit IDR bil 31,596 35,571 40,853
Provisions IDR bil 2,191 2,953 4,738
Net Profit IDR bil 23,310 25,853 28,559
Balance Sheet 2017 2018 2019
Interbank Loans IDR bil 37,322 49,393 51,046
Customer Loans IDR bil 473,694 545,743 596,124
Total Assets IDR bil 750,320 824,788 918,989
Shareholders' Equity IDR bil 131,402 151,753 174,143
Interbank Borrowing IDR bil 8,967 8,834 9,778
Customer Deposits IDR bil 585,572 635,029 704,795
Issued Debt Securities IDR bil 593 731 1,339
Ratios 2017 2018 2019
ROE % 19.1 18.3 17.5
ROA % 3.27 3.28 3.28
Costs (As % Of Assets) % 3.53 3.51 3.53
Costs (As % Of Income) % 44.4 43.7 42.9
Capital Adequacy Ratio % 23.1 24.0 24.6
Net Interest Margin % 5.86 5.75 5.79
Loans (As % Of Deposits) % 80.9 85.9 84.6
NPLs (As % Of Loans) % 2.77 2.88 2.95
Provisions (As % Of NPLs) % 101 86.9 86.0
Valuation 2017 2018 2019
Price/Earnings (P/E) 23.2 24.8 28.9
Price/Book Value (P/BV) 4.11 4.22 4.73
Dividend Yield % 1.16 1.31 ...
Earnings Per Share (EPS) IDR 945 1,049 1,158
Book Value Per Share IDR 5,330 6,155 7,063
Dividend Per Share IDR 255 340 ...

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summary Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
income statement                                              
Net Interest Income IDR bil                                 26,425 32,027 35,869 40,079 41,827    
Total Revenues IDR bil                                 33,619 41,371 47,844 53,770 56,787    
Operating Profit IDR bil                                 18,987 22,979 26,130 30,391 31,596    
Net Profit IDR bil                                 14,254 16,483 18,015 20,610 23,310    
balance sheet                                              
Interbank Loans IDR bil                                 56,758 42,923 65,213 50,377 37,322    
Customer Loans IDR bil                                 314,724 350,226 388,738 415,587 473,694    
Debt Securities IDR bil                                 49,646 73,200 52,937 113,836 137,106    
Total Assets IDR bil                                 496,305 553,156 594,373 676,739 750,320    
Shareholders' Equity IDR bil                                 63,967 75,726 89,625 112,715 131,402    
Interbank Borrowing IDR bil                                 5,161 6,695 7,218 9,215 8,967    
Customer Deposits IDR bil                                 411,180 450,155 476,820 533,965 585,572    
Issued Debt Securities IDR bil                                 1,887 2,658 1,615 1,064 593    
ratios                                              
ROE % ...                               24.6 23.6 21.8 20.4 19.1    
ROA % ...                               3.03 3.14 3.14 3.24 3.27    
Costs (As % Of Assets) % ...                               3.12 3.51 3.78 3.68 3.53    
Costs (As % Of Income) %                                 43.5 44.5 45.4 43.5 44.4    
Capital Adequacy Ratio %                       ...         16.0 17.2 19.0 22.2 23.1    
Net Interest Margin % ...                               5.63 6.10 6.25 6.31 5.86    
Interest Income (As % Of Revenues) %                                 78.6 77.4 75.0 74.5 73.7    
Fee Income (As % Of Revenues) %                                 18.8 17.6 17.5 17.5 18.3    
Staff Cost (As % Of Total Cost) %                                 46.9 47.1 44.8 45.5 45.0    
Equity (As % Of Assets) %                                 12.9 13.7 15.1 16.7 17.5    
Loans (As % Of Deposits) %                                 76.5 77.8 81.5 77.8 80.9    
Loans (As % Assets) %                                 63.4 63.3 65.4 61.4 63.1    
NPLs (As % Of Loans) %                                 0.428 0.579 0.704 1.27 2.77    
Provisions (As % Of NPLs) %                                 415 334 333 235 101    
valuation                                              
Market Capitalisation (End Of Period) USD mil ... ... ...                           19,449 26,034 23,666 28,224 39,737    
Number Of Shares (Average) mil ... ... ... ...                         24,635 24,655 24,655 24,655 24,655    
Share Price (End Of Period) IDR ... ... ...                           9,600 13,125 13,300 15,500 21,900    
Earnings Per Share (EPS) IDR ... ... ... ...                         579 669 731 836 945    
Book Value Per Share IDR ... ... ... ...                         2,597 3,071 3,635 4,572 5,330    
Dividend Per Share IDR ... ...                             120 148 60.0 200 255   ...
Price/Earnings (P/E) ... ... ... ...                         16.6 19.6 18.2 18.5 23.2    
Price/Book Value (P/BV) ... ... ... ...                         3.70 4.27 3.66 3.39 4.11    
Dividend Yield % ... ... ...                           1.25 1.13 0.451 1.29 1.16   ...
Earnings Per Share Growth % ... ... ... ... ...                       20.5 15.5 9.30 14.4 13.0    
Book Value Per Share Growth % ...                               22.1 18.3 18.4 25.8 16.6    
income statement Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
income statement                                              
Interest Income IDR bil                                 34,277 43,771 47,082 50,426 53,768    
Interest Cost IDR bil                                 7,852 11,745 11,213 10,347 11,942    
Net Interest Income IDR bil                                 26,425 32,027 35,869 40,079 41,827    
Net Fee Income IDR bil                                 6,310 7,285 8,356 9,401 10,386    
Other Income IDR bil                                 884 2,060 3,620 4,290 4,574    
Total Revenues IDR bil                                 33,619 41,371 47,844 53,770 56,787    
Staff Cost IDR bil                                 6,865 8,671 9,729 10,630 11,335    
Depreciation IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Other Cost IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Operating Cost IDR bil                                 14,632 18,392 21,714 23,379 25,190    
Operating Profit IDR bil                                 18,987 22,979 26,130 30,391 31,596    
Provisions IDR bil                                 1,872 1,929 3,438 4,788 2,191    
Extra and Other Cost IDR bil                                 -700 313 38.9 -242 247    
Pre-Tax Profit IDR bil                                 17,816 20,737 22,653 25,845 29,159    
Tax IDR bil                                 3,559 4,228 4,620 5,208 5,838    
Minorities IDR bil                                 2.41 25.8 17.1 26.5 11.2    
Net Profit IDR bil                                 14,254 16,483 18,015 20,610 23,310    
Dividends IDR bil                                 2,959 3,649 1,479 4,931 6,287   ...
growth rates                                              
Net Interest Income Growth % ...                               24.4 21.2 12.0 11.7 4.36    
Net Fee Income Growth % ...                               15.7 15.5 14.7 12.5 10.5    
Total Revenue Growth % ...                               22.1 23.1 15.6 12.4 5.61    
Operating Cost Growth % ...                               13.8 25.7 18.1 7.67 7.75    
Operating Profit Growth % ...                               29.3 21.0 13.7 16.3 3.97    
Pre-Tax Profit Growth % ...                               21.3 16.4 9.24 14.1 12.8    
Net Profit Growth % ...                               21.6 15.6 9.30 14.4 13.1    
market share                                              
Market Share in Revenues % ... ... ... ... ... ... ... ...                 9.52 10.4 10.9 10.7 11.0 ... ...
Market Share in Net Profit % ... ... ... ... ... ... ... ...                 12.8 14.4 18.1 21.8 18.1 ... ...
Market Share in Branches % ... ... ...                 ...         ... ... ... ... ... ... ...
balance sheet Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
balance sheet                                              
Cash IDR bil                                 51,553 58,453 55,624 56,541 60,227    
Interbank Loans IDR bil                                 56,758 42,923 65,213 50,377 37,322    
Customer Loans IDR bil                                 314,724 350,226 388,738 415,587 473,694    
Retail Loans IDR bil ... ... ... ... ... ... ...                   94,077 101,515 110,649 120,734 138,941    
Mortgage Loans IDR bil ... ... ... ... ... ... ... ... ... ... ... ...         52,949 54,652 59,415 63,959 73,026    
Consumer Loans IDR bil ... ... ... ... ... ... ... ... ... ... ... ...         41,128 46,864 51,234 56,775 65,915    
Corporate Loans IDR bil ... ... ... ... ... ... ... ...                 226,342 255,619 287,406 307,659 348,441    
Debt Securities IDR bil                                 49,646 73,200 52,937 113,836 137,106    
Fixed Assets IDR bil                                 7,440 8,845 9,712 16,991 16,869    
Intangible Assets IDR bil                       ...         0 0 0 0 0    
Goodwill IDR bil ... ... ... ... ... ... ... ...                 0 0 0 0 0    
Total Assets IDR bil                                 496,305 553,156 594,373 676,739 750,320    
Shareholders' Equity IDR bil                                 63,967 75,726 89,625 112,715 131,402    
Of Which Minority Interest IDR bil                                 101 238 256 282 98.1    
Liabilities IDR bil                                 432,338 477,430 504,748 564,024 618,918    
Interbank Borrowing IDR bil                                 5,161 6,695 7,218 9,215 8,967    
Customer Deposits IDR bil                                 411,180 450,155 476,820 533,965 585,572    
Sight Deposits IDR bil                                 103,157 107,419 115,653 137,853 151,250    
Term Deposits IDR bil                                 306,329 340,486 358,013 392,281 429,866    
Issued Debt Securities IDR bil                                 1,887 2,658 1,615 1,064 593    
Subordinated Debt IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Other Liabilities IDR bil                                 14,110 17,921 19,094 19,780 23,787    
asset quality                                              
Non-Performing Loans IDR bil                                 1,373 2,068 2,802 5,452 13,514    
Gross Loans IDR bil                                 320,419 357,135 398,056 428,393 487,382    
Total Provisions IDR bil                                 5,695 6,909 9,317 12,806 13,688    
growth rates                                              
Customer Loan Growth % ...                               21.4 11.3 11.0 6.91 14.0    
Retail Loan Growth % ... ... ... ... ... ... ... ...                 37.4 7.91 9.00 9.11 15.1    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...       26.7 3.22 8.72 7.65 14.2    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...       54.2 13.9 9.33 10.8 16.1    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ...               20.1 12.9 12.4 7.05 13.3    
Total Asset Growth % ...                               12.0 11.5 7.45 13.9 10.9    
Shareholders' Equity Growth % ...                               23.3 18.4 18.4 25.8 16.6    
Customer Deposit Growth % ...                               10.7 9.48 5.92 12.0 9.66    
market share                                              
Market Share in Customer Loans % ... ... ... ... ... ... ...                   9.18 9.25 9.50 9.54 10.00 ... ...
Market Share in Corporate Loans % ... ... ... ... ... ... ... ...                 14.3 14.5 14.5 14.6 15.4 ... ...
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ...       6.23 3.50 3.54 3.10 3.40 ... ...
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ...       10.1 6.13 6.20 5.49 5.92 ... ...
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ...         19.3 17.3 17.5 17.4 17.9 ... ...
Market Share in Total Assets %                                 10.0 9.88 9.73 10.2 10.3 ... ...
Market Share in Customer Deposits %                                 12.0 11.9 11.7 11.8 11.9 ... ...
ratios Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
ratios                                              
ROE % ...                               24.6 23.6 21.8 20.4 19.1    
ROA % ...                               3.03 3.14 3.14 3.24 3.27    
Costs (As % Of Assets) % ...                               3.12 3.51 3.78 3.68 3.53    
Costs (As % Of Income) %                                 43.5 44.5 45.4 43.5 44.4    
Capital Adequacy Ratio %                       ...         16.0 17.2 19.0 22.2 23.1    
Tier 1 Ratio %       ... ... ... ...         ...       ... ... 16.2 18.1 21.3 22.1    
Net Interest Margin % ...                               5.63 6.10 6.25 6.31 5.86    
Interest Spread % ...                               5.39 5.76 5.92 6.00 5.52    
Asset Yield % ...                               7.30 8.34 8.21 7.93 7.54    
Cost Of Liabilities % ...                               1.91 2.58 2.28 1.94 2.02    
Payout Ratio %                                 20.8 22.1 8.21 23.9 27.0   ...
Interest Income (As % Of Revenues) %                                 78.6 77.4 75.0 74.5 73.7    
Fee Income (As % Of Revenues) %                                 18.8 17.6 17.5 17.5 18.3    
Other Income (As % Of Revenues) %                                 2.63 4.98 7.57 7.98 8.06    
Cost Per Employee USD per month                                 2,580 2,547 2,496 2,468 2,597    
Cost Per Employee (Local Currency) IDR per month                                 26,880,800 31,272,200 32,671,400 33,599,700 35,034,400    
Staff Cost (As % Of Total Cost) %                                 46.9 47.1 44.8 45.5 45.0    
Equity (As % Of Assets) %                                 12.9 13.7 15.1 16.7 17.5    
Loans (As % Of Deposits) %                                 76.5 77.8 81.5 77.8 80.9    
Loans (As % Assets) %                                 63.4 63.3 65.4 61.4 63.1    
NPLs (As % Of Loans) %                                 0.428 0.579 0.704 1.27 2.77    
Provisions (As % Of NPLs) %                                 415 334 333 235 101    
Provisions (As % Of Loans) %                                 1.81 1.97 2.40 3.08 2.89    
Cost of Provisions (As % Of Loans) % ...                               0.652 0.580 0.931 1.19 0.493    
other data Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
other data                                              
Branches ... ...                   ...         955 970 987 991 994    
Employees                                 21,281 23,106 24,814 26,364 26,962    
Sight (As % Of Customer Deposits) %                                 25.1 23.9 24.3 25.8 25.8    
Risk-Weighted Assets IDR bil ... ... ... ... ... ... ...         ...         365,510 411,666 483,084 517,790 554,823    
Return on Loans %                                 4.97 4.96 4.88 5.12 5.24    
Operating Profit (As % of Loans) % ...                               6.62 6.91 7.07 7.56 7.11    
Costs (As % Of Loans) % ...                               5.10 5.53 5.88 5.81 5.67    
Equity (As % Of Loans) %                                 20.3 21.6 23.1 27.1 27.7    

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Bank Central Asia's market capitalisation (end of period) rose 33.9% yoy to USD 59,514 mil in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia stock traded at IDR 33,425 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 59,514 mil. Over the last five years, the stock has appreciated by 155 implying an annual average growth of 20.6% In absolu...

Bank Central Asia's employees fell 6.11% yoy to 25,877 in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia employed 25,877 persons in 2019-12-31, up 0.521% when compared to the previous year. Historically, the bank's workforce hit an all time high of 27,561 persons in 2018-12-31 and an all time low of 19,687 in 2010-12-31. Average cost reached USD 2,5...

Bank Central Asia's customer deposits rose 6.83% yoy to IDR 496,547 bil in 3Q2016

By Helgi Library - March 3, 2020

Bank Central Asia's customer deposits reached IDR 496,547 bil in 2016-09-30, up 0.562% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,301,214 bil in 2016-09-30, up 0.514% when compared to the last year. Bank C...

Bank Central Asia's corporate loans rose 11.4% yoy to IDR 459,281 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia's loans reached IDR 611,652 bil in the fourth quarter of 2019, up from IDR 591,767 bil when compared to the previous quarter and up from IDR 559,756 bil when compared to the same period of last year. Historically, the bank’s loans ...

Bank Central Asia's capital adequacy ratio rose 2.88% yoy to 24.6% in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia's capital adequacy ratio reached 24.6% at the end of fourth quarter of 2019, up from 24.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 26.6% in 1Q2005 and an all time low of 12.8% in 4Q2011...

Bank Central Asia's net interest income rose 11.1% yoy to IDR 13,300 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia generated total banking revenues of IDR 19,172 bil in the fourth quarter of 2019, up 12.1% when compared to the same period of last year and 5.41% when compared to the previous quarter. Historically, the bank’s revenues containing of interes...

Bank Central Asia's net interest margin fell 0.472% yoy to 5.87% in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia's net interest margin amounted to 5.87% in the fourth quarter of 2019, up from 5.75% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 6.52% in 4Q2015 and an all time low of ...

Bank Central Asia's equity (as % of assets) rose 2.99% yoy to 18.9% in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia's Equity reached 18.9% of total assets in the 4Q2019, up from 18.4% for the previous year. As a share of net customer loans, the ratio amounted to 29.2% at the end of the fourth quarter of 2019. ...

Bank Central Asia's costs (as % of assets) rose 7.45% yoy to 3.59% in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia's cost to income ratio reached 42.4% in the fourth quarter of 2019, up from 38.3% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 54.8% of income in 1Q2012 and an all time low of 31.4% in 4Q...

Bank Central Asia's retail loan growth fell 49.0% yoy to 3.20% in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia's retail loans reached IDR 152,371 bil at the end of 2019-12-31, up 1.40% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 25.6% of the bank's loan book a...

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