Bank Negara

Bank Negara's net profit fell 4.54% yoy to IDR 3,413 bil in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara made a net profit of IDR 3,413 bil under revenues of IDR 13,365 bil in the fourth quarter of 2019, down 4.54% and ...

Bank Negara's market capitalisation (end of period) fell 7.06% yoy to USD 10,572 mil in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara stock traded at IDR 7,850 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 10,572 ...

Bank Negara's net interest income rose 3.06% yoy to IDR 9,730 bil in 4Q2019

By Helgi Analytics - March 4, 2020

Bank Negara generated total banking revenues of IDR 13,365 bil in the fourth quarter of 2019, up 15.8% when compared to the same ...

Profit Statement 2017 2018 2019
Net Interest Income IDR bil 31,938 35,446 36,602
Net Fee Income IDR bil 7,314 7,802 8,851
Other Income IDR bil 4,228 3,525 4,204
Total Revenues IDR bil 43,480 46,774 49,658
Staff Cost IDR bil 10,736 9,519 10,186
Operating Profit IDR bil 22,614 24,987 25,971
Provisions IDR bil 5,394 5,391 6,484
Net Profit IDR bil 13,614 15,013 15,360
Balance Sheet 2017 2018 2019
Interbank Loans IDR bil 50,607 52,458 63,151
Customer Loans IDR bil 442,491 522,474 559,070
Debt Securities IDR bil 115,899 118,836 108,191
Total Assets IDR bil 709,330 808,572 845,605
Shareholders' Equity IDR bil 100,903 110,374 125,004
Interbank Borrowing IDR bil 21,727 61,165 51,873
Customer Deposits IDR bil 516,098 578,775 614,311
Issued Debt Securities IDR bil 41,044 29,704 22,557
Ratios 2017 2018 2019
ROE % 14.3 14.2 13.1
ROA % 2.07 1.98 1.86
Costs (As % Of Assets) % 3.18 2.87 2.86
Costs (As % Of Income) % 48.0 46.6 47.7
Capital Adequacy Ratio % 18.5 18.5 19.7
Net Interest Margin % 4.87 4.67 4.43
Loans (As % Of Deposits) % 85.7 90.3 91.0
NPLs (As % Of Loans) % 8.95 7.48 9.12
Provisions (As % Of NPLs) % 35.5 37.0 32.2
Valuation 2017 2018 2019
Market Capitalisation (End Of Period) USD mil 13,587 11,375 10,572
Share Price (End Of Period) IDR 9,900 8,800 7,850
Price/Earnings (P/E) 13.6 10.9 9.53
Price/Book Value (P/BV) 1.83 1.49 1.17
Dividend Yield % 2.58 ... ...
Earnings Per Share (EPS) IDR 730 805 824
Book Value Per Share IDR 5,411 5,919 6,703
Dividend Per Share IDR 256 ... ...

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summary Unit 1993 1994 1995 1996 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                                         19,058 22,376 25,560 29,995 31,938    
Total Revenues IDR bil                                         27,411 33,092 35,258 39,921 43,480    
Operating Profit IDR bil                                         13,927 16,988 18,748 20,705 22,614    
Net Profit IDR bil                                         9,054 10,783 9,067 11,338 13,614    
balance sheet                                                      
Interbank Loans IDR bil                                         25,369 20,765 33,793 35,326 50,607    
Customer Loans IDR bil                                         247,175 272,953 322,898 385,162 442,491    
Debt Securities IDR bil                                         53,398 56,568 57,150 86,771 115,899    
Total Assets IDR bil                                         386,655 416,574 508,595 603,032 709,330    
Shareholders' Equity IDR bil                                         47,684 61,021 78,438 89,254 100,903    
Interbank Borrowing IDR bil                                         22,326 4,889 30,384 23,820 21,727    
Customer Deposits IDR bil                                         291,890 313,893 370,421 435,545 516,098    
Issued Debt Securities IDR bil                                         5,846 18,150 6,871 29,866 41,044    
ratios                                                      
ROE % ...                                       19.9 19.8 13.0 13.5 14.3    
ROA % ...                                       2.52 2.68 1.96 2.04 2.07    
Costs (As % Of Assets) % ...                                       3.75 4.01 3.57 3.46 3.18    
Costs (As % Of Income) %                                         49.2 48.7 46.8 48.1 48.0    
Capital Adequacy Ratio % ... ... ... ...                           ...   ... 30.0 16.2 19.5 19.4 18.5    
Net Interest Margin % ...                                       5.29 5.57 5.53 5.40 4.87    
Interest Income (As % Of Revenues) %                                         69.5 67.6 72.5 75.1 73.5    
Fee Income (As % Of Revenues) %                             ...   ... ... ... ... 14.6 15.2 15.7 16.2 16.8    
Staff Cost (As % Of Total Cost) %                                         50.4 47.6 50.7 52.0 51.4    
Equity (As % Of Assets) %                                         12.3 14.6 15.4 14.8 14.2    
Loans (As % Of Deposits) %                                         84.7 87.0 87.2 88.4 85.7    
Loans (As % Assets) %                                         63.9 65.5 63.5 63.9 62.4    
NPLs (As % Of Loans) % ... ... ... ... ... ...                             4.85 4.22 8.89 10.8 8.95    
Provisions (As % Of NPLs) % ... ... ... ... ... ...                             55.8 59.0 40.4 38.4 35.5    
valuation                                                      
Market Capitalisation (End Of Period) USD mil ... ... ...                                   6,050 9,152 6,662 7,610 13,587    
Number Of Shares (Average) mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         18,649 18,649 18,624 18,588 18,649    
Share Price (End Of Period) IDR ... ... ...                                   3,950 6,100 4,990 5,525 9,900    
Earnings Per Share (EPS) IDR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         486 578 487 610 730    
Book Value Per Share IDR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         2,557 3,272 4,212 4,802 5,411    
Dividend Per Share IDR ... ... ...                             ...     ... 145 123 213 256 ... ...
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         8.13 10.6 10.2 9.06 13.6    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         1.54 1.86 1.18 1.15 1.83    
Dividend Yield % ... ... ...                             ...     ... 2.37 2.46 3.85 2.58 ... ...
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       28.6 18.9 -15.7 25.2 19.7    
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       9.55 28.0 28.7 14.0 12.7    
income statement Unit 1993 1994 1995 1996 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                                         26,451 33,365 36,895 43,768 48,178    
Interest Cost IDR bil                                         7,392 10,989 11,335 13,773 16,240    
Net Interest Income IDR bil                                         19,058 22,376 25,560 29,995 31,938    
Net Fee Income IDR bil                             ...   ... ... ... ... 4,000 5,027 5,540 6,473 7,314    
Other Income IDR bil                             ...   ... ... ... ... 4,353 5,688 4,159 3,454 4,228    
Total Revenues IDR bil                                         27,411 33,092 35,258 39,921 43,480    
Staff Cost IDR bil                                         6,800 7,660 8,372 10,000 10,736    
Depreciation IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     553 652 783 940 1,060    
Other Cost IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     6,132 7,791 7,355 8,277 9,071    
Operating Cost IDR bil                                         13,485 16,103 16,510 19,217 20,867    
Operating Profit IDR bil                                         13,927 16,988 18,748 20,705 22,614    
Provisions IDR bil                                         2,708 3,642 7,336 6,475 5,394    
Extra and Other Cost IDR bil                                         -59.4 -178 -54.1 -72.3 57.3    
Pre-Tax Profit IDR bil                                         11,278 13,524 11,466 14,302 17,162    
Tax IDR bil                                         2,220 2,695 2,326 2,892 3,394    
Minorities IDR bil                                         3.60 46.8 74.0 71.4 154    
Net Profit IDR bil                                         9,054 10,783 9,067 11,338 13,614    
Dividends IDR bil                                   ...     ... 2,696 2,267 3,969 4,766 ... ...
growth rates                                                      
Net Interest Income Growth % ...                                       23.3 17.4 14.2 17.4 6.48    
Net Fee Income Growth % ...                           ... ... ... ... ... ... ... 25.7 10.2 16.8 13.0    
Total Revenue Growth % ...                                       14.7 20.7 6.55 13.2 8.91    
Operating Cost Growth % ...                                       5.85 19.4 2.52 16.4 8.58    
Operating Profit Growth % ...                                       24.7 22.0 10.4 10.4 9.22    
Pre-Tax Profit Growth % ...                                       26.7 19.9 -15.2 24.7 20.0    
Net Profit Growth % ...                                       28.5 19.1 -15.9 25.1 20.1    
market share                                                      
Market Share in Revenues % ... ... ... ... ... ... ... ... ... ... ... ...                 7.76 8.33 8.04 7.92 8.42 ... ...
Market Share in Net Profit % ... ... ... ... ... ... ... ... ... ... ... ...                 8.11 9.43 9.13 12.0 10.6 ... ...
Market Share in Branches % ... ... ... ... ... ... ...       ... ...                 ... ... ... ... ... ... ...
balance sheet Unit 1993 1994 1995 1996 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                                         37,322 40,529 52,821 47,613 44,278    
Interbank Loans IDR bil                                         25,369 20,765 33,793 35,326 50,607    
Customer Loans IDR bil                                         247,175 272,953 322,898 385,162 442,491    
Retail Loans IDR bil ... ... ... ... ... ... ... ... ... ...                     54,484 60,549 67,503 76,821 84,831    
Corporate Loans IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         198,962 218,575 266,661 324,372 371,570    
Debt Securities IDR bil                                         53,398 56,568 57,150 86,771 115,899    
Fixed Assets IDR bil                                         5,514 6,222 20,757 21,972 22,805    
Intangible Assets IDR bil ... ... ... ...                                 0 0 0 0 0    
Goodwill IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     ...   0 0 0 0 0    
Total Assets IDR bil                                         386,655 416,574 508,595 603,032 709,330    
Shareholders' Equity IDR bil                                         47,684 61,021 78,438 89,254 100,903    
Of Which Minority Interest IDR bil                                         83.3 1,950 2,023 2,097 2,311    
Liabilities IDR bil                                         338,971 355,552 430,157 513,778 608,427    
Interbank Borrowing IDR bil                                         22,326 4,889 30,384 23,820 21,727    
Customer Deposits IDR bil                                         291,890 313,893 370,421 435,545 516,098    
Sight Deposits IDR bil                                         88,183 82,743 91,194 122,652 143,162    
Term Deposits IDR bil                                         203,707 231,150 279,226 312,893 372,936    
Issued Debt Securities IDR bil                                         5,846 18,150 6,871 29,866 41,044    
Subordinated Debt IDR bil ... ... ... ... ... ... ... ... ... ...           ... ... ... ... ... ... ... ... ... ...    
Other Liabilities IDR bil                                         18,909 18,620 22,481 24,547 29,558    
asset quality                                                      
Non-Performing Loans IDR bil ... ... ... ... ... ...                             12,329 11,814 29,782 43,394 40,910    
Gross Loans IDR bil                                         254,055 279,924 334,937 401,843 457,014    
Total Provisions IDR bil                                         6,880 6,970 12,039 16,681 14,524    
growth rates                                                      
Customer Loan Growth % ...                                       25.7 10.4 18.3 19.3 14.9    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ...                   17.5 11.1 11.5 13.8 10.4    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       27.1 9.86 22.0 21.6 14.6    
Total Asset Growth % ...                                       16.0 7.74 22.1 18.6 17.6    
Shareholders' Equity Growth % ...                                       9.55 28.0 28.5 13.8 13.1    
Customer Deposit Growth % ...                                       13.3 7.54 18.0 17.6 18.5    
market share                                                      
Market Share in Customer Loans % ... ... ... ... ... ... ... ... ... ... ...                   7.21 7.21 7.89 8.84 9.34 ... ...
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         12.6 12.4 13.4 15.4 16.5 ... ...
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       5.83 3.66 3.78 3.49 3.61 ... ...
Market Share in Total Assets %                                         7.83 7.44 8.32 9.09 9.74 ... ...
Market Share in Customer Deposits %                                         8.55 8.28 9.09 9.64 10.5 ... ...
ratios Unit 1993 1994 1995 1996 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 % ...                                       19.9 19.8 13.0 13.5 14.3    
ROA % ...                                       2.52 2.68 1.96 2.04 2.07    
Costs (As % Of Assets) % ...                                       3.75 4.01 3.57 3.46 3.18    
Costs (As % Of Income) %                                         49.2 48.7 46.8 48.1 48.0    
Capital Adequacy Ratio % ... ... ... ...                           ...   ... 30.0 16.2 19.5 19.4 18.5    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ...                 14.2 15.3 17.0 18.3 17.4    
Net Interest Margin % ...                                       5.29 5.57 5.53 5.40 4.87    
Interest Spread % ...                                       5.00 5.14 5.09 4.96 4.45    
Asset Yield % ...                                       7.35 8.31 7.98 7.87 7.34    
Cost Of Liabilities % ...                                       2.35 3.16 2.89 2.92 2.89    
Payout Ratio %                                   ...     ... 25.0 25.0 35.0 35.0 ... ...
Interest Income (As % Of Revenues) %                                         69.5 67.6 72.5 75.1 73.5    
Fee Income (As % Of Revenues) %                             ...   ... ... ... ... 14.6 15.2 15.7 16.2 16.8    
Other Income (As % Of Revenues) %                             ...   ... ... ... ... 15.9 17.2 11.8 8.65 9.72    
Cost Per Employee USD per month ... ... ... ...   ...                             2,084 1,959 1,983 2,522 2,691    
Cost Per Employee (Local Currency) IDR per month ... ... ... ...   ...                             21,710,400 24,056,100 25,959,200 34,334,400 36,306,700    
Staff Cost (As % Of Total Cost) %                                         50.4 47.6 50.7 52.0 51.4    
Equity (As % Of Assets) %                                         12.3 14.6 15.4 14.8 14.2    
Loans (As % Of Deposits) %                                         84.7 87.0 87.2 88.4 85.7    
Loans (As % Assets) %                                         63.9 65.5 63.5 63.9 62.4    
NPLs (As % Of Loans) % ... ... ... ... ... ...                             4.85 4.22 8.89 10.8 8.95    
Provisions (As % Of NPLs) % ... ... ... ... ... ...                             55.8 59.0 40.4 38.4 35.5    
Provisions (As % Of Loans) %                                         2.78 2.55 3.73 4.33 3.28    
Cost of Provisions (As % Of Loans) % ...                                       1.22 1.40 2.46 1.83 1.30    
other data Unit 1993 1994 1995 1996 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 ... ... ... ... ... ... ...       ... ...                 1,677 1,724 1,809 1,975 2,139    
Employees ... ... ... ...   ...                             26,100 26,536 26,875 24,272 24,641    
Sight (As % Of Customer Deposits) %                                         30.2 26.4 24.6 28.2 27.7    
Risk-Weighted Assets IDR bil ... ... ... ... ... ... ... ... ... ... ...                   149,601 325,240 378,455 449,481 515,172    
Return on Loans % ...                                       4.08 4.15 3.04 3.20 3.29    
Operating Profit (As % of Loans) % ...                                       6.28 6.53 6.29 5.85 5.46    
Costs (As % Of Loans) % ...                                       6.08 6.19 5.54 5.43 5.04    
Equity (As % Of Loans) %                                         19.3 22.4 24.3 23.2 22.8    

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Bank Negara's npls (as % of loans) rose 21.9% yoy to 9.12% in 4Q2019

By Helgi Analytics - March 4, 2020

Bank Negara's non-performing loans reached 9.12% of total loans at the end of 2019-12-31, up from 7.48% compared to the previous year. Historically, the NPL ratio hit an all time high of 23.8% in 2002-06-30 and an all time low of 1.23% in 2010-12-31. Provis...

Bank Negara's employees fell 3.86% yoy to 24,842 in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara employed 24,842 persons in 2019-12-31, down 0.858% when compared to the previous year. Historically, the bank's workforce hit an all time high of 27,248 persons in 2016-03-31 and an all time low of 15,237 in 2003-03-31. Average cost reached USD 2,480 p...

Bank Negara's net interest margin fell 2.45% yoy to 4.69% in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara's net interest margin amounted to 4.69% in the fourth quarter of 2019, up from 4.47% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.92% in 1Q2015 and an all time low of 3.29%...

Bank Negara's price/earnings (P/E) fell 6.56% yoy to 10.7 in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara stock traded at IDR 7,850 per share at the end fourth quarter of 2019 implying a market capitalization of USD 10,572 mil. Since the end of 4Q2014, the stock has appreciated by 28.7 % implying an annual average growth of 5.17 %. In absolute terms, the value...

Bank Negara's capital adequacy ratio rose 6.49% yoy to 19.7% in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara's capital adequacy ratio reached 19.7% at the end of fourth quarter of 2019, up from 19.3% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 31.4% in 3Q2013 and an all time low of 13.6% in 4Q2008. ...

Bank Negara's costs (as % of assets) rose 16.5% yoy to 3.12% in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara's cost to income ratio reached 48.5% in the fourth quarter of 2019, up from 47.8% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 88.6% of income in 4Q2006 and an all time low of 34.6% in 2Q2003. ...

Bank Negara's customer loan growth fell 61.2% yoy to 7.00% in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara's customer loan growth reached 7.00% in 2019-12-31, down from 18.1% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 34.1% in 2007-06-30 and an all time low of -1.95% in 2006-06-30. In the last d...

Bank Negara's equity (as % of assets) rose 8.29% yoy to 14.8% in 4Q2019

By Helgi Analytics - March 3, 2020

Bank Negara's Equity reached 14.8% of total assets in the 4Q2019, up from 13.7% for the previous year. As a share of net customer loans, the ratio amounted to 22.4% at the end of the fourth quarter of 2019. ...

Bank Negara's net profit rose 2.31% yoy to IDR 15,360 bil in 2019

By Helgi Analytics - March 3, 2020

Bank Negara made a net profit of IDR 15,360 bil under revenues of IDR 49,658 bil in 2019, up 2.31% and 6.17% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of IDR 15,360 bil in 2019 and an all time low of IDR ...

Bank Negara's net interest income rose 3.26% yoy to IDR 36,602 bil in 2019

By Helgi Analytics - March 3, 2020

Bank Negara generated total banking revenues of IDR 49,658 bil in 2019, up 6.17% 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 49,658 bil in 2019 and an...

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