BCA Finance

BCA Finance's npls (as % of loans) rose 75.6% to 1.44% in 2018

By Helgi Analytics - November 05, 2019

BCA Finance's non-performing loans reached 1.44% of total loans at the end of 2018, up from 0.820% compared to the previous year....

BCA Finance's net interest margin rose 12.4% to 31.7% in 2018

By Helgi Analytics - November 05, 2019

BCA Finance's net interest margin amounted to 31.7% in 2018, up from 28.3% compared to the previous year. Historically, th...

BCA Finance's costs (as % of assets) rose 14.3% to 12.4% in 2018

By Helgi Analytics - November 05, 2019

BCA Finance's cost to income ratio reached 31.7% in 2018, up from 31.4% compared to the previous year. Historically, the b...

Profit Statement 2016 2017 2018
Net Interest Income IDR bil 1,879 2,344 2,629
Fee Income (As % Of Revenues) % 17.1 17.0 17.8
Other Income IDR bil 35.7 32.5 35.5
Total Revenues IDR bil 2,309 2,863 3,241
Staff Cost IDR bil 361 423 468
Operating Profit IDR bil 1,514 1,963 2,214
Provisions IDR bil 36.1 60.0 117
Net Profit IDR bil 1,139 1,453 1,600
Balance Sheet 2016 2017 2018
Interbank Loans IDR bil ... 0 0
Customer Loans IDR bil 6,785 7,159 6,747
Total Assets IDR bil 8,152 8,439 8,127
Shareholders' Equity IDR bil 2,902 3,893 4,936
Interbank Borrowing IDR bil 1,676 2,508 1,783
Customer Deposits IDR bil 0 0 0
Issued Debt Securities IDR bil 2,404 671 250
Ratios 2016 2017 2018
ROE % 44.7 42.8 36.2
ROA % 15.2 17.5 19.3
Costs (As % Of Assets) % 10.6 10.8 12.4
Costs (As % Of Income) % 34.4 31.4 31.7
Net Interest Margin % 25.1 28.3 31.7
NPLs (As % Of Loans) % 0.840 0.820 1.44
Provisions (As % Of NPLs) % 143 151 147
Growth Rates 2016 2017 2018
Total Revenue Growth % 13.0 24.0 13.2
Operating Cost Growth % 24.6 13.1 14.2
Operating Profit Growth % 7.74 29.7 12.8
Net Profit Growth % 8.73 27.6 10.1
Customer Loan Growth % 18.9 5.52 -5.75
Total Asset Growth % 19.5 3.52 -3.70
Shareholders' Equity Growth % 32.5 34.1 26.8
Employees 2,781 2,828 2,789

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summary Unit 2011 2012 2013 2014 2015 2016 2017 2018
income statement                
Net Interest Income IDR bil ... 1,206 1,448 1,596 1,706 1,879    
Total Revenues IDR bil ... 1,387 1,670 1,868 2,043 2,309    
Operating Profit IDR bil ... 1,012 1,239 1,347 1,405 1,514    
Net Profit IDR bil ... 730 935 1,001 1,047 1,139    
balance sheet                
Interbank Loans IDR bil ... ... ... ... ... ...    
Customer Loans IDR bil ... 4,610 5,426 5,274 5,707 6,785    
Total Assets IDR bil ... 4,843 5,798 6,128 6,824 8,152    
Shareholders' Equity IDR bil ... 1,229 1,090 1,536 2,190 2,902    
Interbank Borrowing IDR bil ... 166 699 1,294 894 1,676    
Customer Deposits IDR bil ... 0 0 0 0 0    
Issued Debt Securities IDR bil ... 2,525 3,138 2,509 2,839 2,404    
ratios                
ROE % ... 59.3 80.7 76.2 56.2 44.7    
ROA % ... 15.1 17.6 16.8 16.2 15.2    
Costs (As % Of Assets) % ... 7.75 8.11 8.73 9.86 10.6    
Costs (As % Of Income) % ... 27.1 25.8 27.9 31.2 34.4    
Net Interest Margin % ... 24.9 27.2 26.8 26.3 25.1    
Interest Income (As % Of Revenues) % ... 86.9 86.7 85.4 83.5 81.4    
Fee Income (As % Of Revenues) % ... 12.7 13.1 14.3 16.3 17.1    
Staff Cost (As % Of Total Cost) % ... ... 49.3 48.6 49.3 45.4    
Equity (As % Of Assets) % ... 25.4 18.8 25.1 32.1 35.6    
Loans (As % Assets) % ... 95.2 93.6 86.1 83.6 83.2    
NPLs (As % Of Loans) % ... 0.600 0.680 0.960 0.990 0.840    
Provisions (As % Of NPLs) % ... 282 225 166 153 143    
valuation                
Number Of Shares (Average) mil ... ... ... 20.0 20.0 20.0    
Earnings Per Share (EPS) IDR ... ... ... 50,037 52,361 56,935    
Book Value Per Share IDR ... ... ... 76,801 109,484 145,102    
Earnings Per Share Growth % ... ... ... ... 4.64 8.73    
Book Value Per Share Growth % ... ... ... ... 42.6 32.5    
income statement Unit 2011 2012 2013 2014 2015 2016 2017 2018
income statement                
Interest Income IDR bil ... 1,420 1,686 1,896 2,010 2,175    
Interest Cost IDR bil ... 214 238 300 304 296    
Net Interest Income IDR bil ... 1,206 1,448 1,596 1,706 1,879    
Net Fee Income IDR bil ... 177 219 268 332 394    
Other Income IDR bil ... 4.65 2.73 4.55 5.68 35.7    
Total Revenues IDR bil ... 1,387 1,670 1,868 2,043 2,309    
Staff Cost IDR bil ... ... 213 253 315 361    
Depreciation IDR bil ... ... 12.7 11.2 10.9 14.0    
Other Cost IDR bil ... ... 206 256 312 420    
Operating Cost IDR bil ... 375 431 520 638 796    
Operating Profit IDR bil ... 1,012 1,239 1,347 1,405 1,514    
Provisions IDR bil ... 46.4 20.4 28.3 38.0 36.1    
Extra and Other Cost IDR bil ... -7.75 -24.8 -10.3 -31.8 -34.6    
Pre-Tax Profit IDR bil ... 973 1,243 1,329 1,399 1,512    
Tax IDR bil ... 243 308 329 352 374    
Net Profit IDR bil ... 730 935 1,001 1,047 1,139    
growth rates                
Net Interest Income Growth % ... ... 20.1 10.2 6.90 10.2    
Net Fee Income Growth % ... ... 24.3 22.0 24.1 18.7    
Total Revenue Growth % ... ... 20.4 11.8 9.40 13.0    
Operating Cost Growth % ... ... 15.0 20.6 22.7 24.6    
Operating Profit Growth % ... ... 22.5 8.78 4.27 7.74    
Pre-Tax Profit Growth % ... ... 27.8 6.94 5.22 8.11    
Net Profit Growth % ... ... 28.2 7.00 4.64 8.73    
balance sheet Unit 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                
Cash IDR bil ... 3.56 2.87 4.60 3.21 4.59    
Interbank Loans IDR bil ... ... ... ... ... ...    
Customer Loans IDR bil ... 4,610 5,426 5,274 5,707 6,785    
Retail Loans IDR bil ... 4,610 5,426 5,274 5,707 6,785    
Mortgage Loans IDR bil ... 0 0 0 0 0    
Consumer Loans IDR bil ... 4,610 5,426 5,274 5,707 6,785    
Corporate Loans IDR bil ... 0 0 0 0 0    
Fixed Assets IDR bil ... 28.0 29.5 109 180 198    
Total Assets IDR bil ... 4,843 5,798 6,128 6,824 8,152    
Shareholders' Equity IDR bil ... 1,229 1,090 1,536 2,190 2,902    
Liabilities IDR bil ... 3,613 4,708 4,592 4,634 5,250    
Interbank Borrowing IDR bil ... 166 699 1,294 894 1,676    
Customer Deposits IDR bil ... 0 0 0 0 0    
Issued Debt Securities IDR bil ... 2,525 3,138 2,509 2,839 2,404    
Other Liabilities IDR bil ... 923 872 789 901 1,170    
asset quality                
Non-Performing Loans IDR bil ... 28.1 37.5 51.5 57.4 57.7    
Gross Loans IDR bil ... 4,689 5,510 5,360 5,795 6,867    
Total Provisions IDR bil ... 79.5 84.3 85.6 87.6 82.3    
growth rates                
Customer Loan Growth % ... ... 17.7 -2.80 8.21 18.9    
Retail Loan Growth % ... ... 17.7 -2.80 8.21 18.9    
Consumer Loan Growth % ... ... 17.7 -2.80 8.21 18.9    
Total Asset Growth % ... ... 19.7 5.70 11.4 19.5    
Shareholders' Equity Growth % ... ... -11.4 41.0 42.6 32.5    
ratios Unit 2011 2012 2013 2014 2015 2016 2017 2018
ratios                
ROE % ... 59.3 80.7 76.2 56.2 44.7    
ROA % ... 15.1 17.6 16.8 16.2 15.2    
Costs (As % Of Assets) % ... 7.75 8.11 8.73 9.86 10.6    
Costs (As % Of Income) % ... 27.1 25.8 27.9 31.2 34.4    
Net Interest Margin % ... 24.9 27.2 26.8 26.3 25.1    
Interest Spread % ... ... 26.0 25.3 24.4 23.1    
Asset Yield % ... 29.3 31.7 31.8 31.0 29.0    
Cost Of Liabilities % ... ... 5.72 6.45 6.59 5.98    
Interest Income (As % Of Revenues) % ... 86.9 86.7 85.4 83.5 81.4    
Fee Income (As % Of Revenues) % ... 12.7 13.1 14.3 16.3 17.1    
Other Income (As % Of Revenues) % ... 0.335 0.163 0.244 0.278 1.55    
Cost Per Employee USD per month ... ... 705 734 844 795    
Cost Per Employee (Local Currency) IDR per month ... ... 7,341,450 9,015,750 11,048,200 10,826,500    
Staff Cost (As % Of Total Cost) % ... ... 49.3 48.6 49.3 45.4    
Equity (As % Of Assets) % ... 25.4 18.8 25.1 32.1 35.6    
Loans (As % Assets) % ... 95.2 93.6 86.1 83.6 83.2    
NPLs (As % Of Loans) % ... 0.600 0.680 0.960 0.990 0.840    
Provisions (As % Of NPLs) % ... 282 225 166 153 143    
Provisions (As % Of Loans) % ... 1.72 1.55 1.62 1.53 1.21    
Cost of Provisions (As % Of Loans) % ... 1.01 0.406 0.530 0.691 0.577    
other data Unit 2011 2012 2013 2014 2015 2016 2017 2018
other data                
Branches   50.0 53.0 59.0 62.0 61.0    
Employees   1,172 2,413 2,338 2,376 2,781    

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BCA Finance's net interest income rose 12.2% to IDR 2,629 bil in 2018

By Helgi Analytics - November 05, 2019

BCA Finance generated total banking revenues of IDR 3,241 bil in 2018, up 13.2% 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 3,241 bil in 2018 and an a...

BCA Finance's employees fell 1.38% to 2,789 in 2018

By Helgi Analytics - November 05, 2019

BCA Finance employed 2,789 persons in 2018, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,828 persons in 2017 and an all time low of 2,338 in 2014. Average cost reached USD 1,032 per month per employee...

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Finance

BCA Finance has been growing its revenues and asset by 16.6% and 6.00% a year on average in the last 3 years. Its loans and deposits have grown by 5.74% and 0% 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 41.3% in the last three years with net profit growing 15.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 31.7% in 2018, compared to 32.5% average in the last three years.

Equity represented 60.7% of total assets or 73.2% of loans at the end of 2018. BCA Finance's non-performing loans were 1.44% of total loans while provisions covered some 147% of NPLs at the end of 2018.