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Home Credit Indonesia

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Home Credit Indonesia

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AnnualQuarterly
summary Unit
2016 2017 2018

income statement

181    
362    
-202    
-278    

balance sheet

0.500    
467    
0    
790    
336    
305    
0    
0    

ratios

-82.9%    
-35.3%    
71.5%    
156%    
22.9%    
49.9%    
49.9%    
60.6%    
42.5%    
59.1%    
...    
...    

Download Data
income statement Unit
2016 2017 2018

income statement

Interest Income IDR bil
Interest Cost IDR bil
Net Interest Income IDR bil
Net Fee Income IDR bil
Other Income IDR bil
Total Revenues IDR bil
Staff Cost IDR bil
Depreciation IDR bil
Other Cost IDR bil
Operating Cost IDR bil
Operating Profit IDR bil
Provisions IDR bil
Extra and Other Cost IDR bil
Pre-Tax Profit IDR bil
Tax IDR bil
Minorities IDR bil
Net Profit IDR bil
208    
27.0    
181    
181    
0.573    
362    
342    
50.2    
172    
564    
-202    
76.5    
< -0.001    
-278    
0    
0    
-278    

growth rates

...    
...    
...    
...    
...    
...    
...    

market share

< 0.001%   ...

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balance sheet Unit
2016 2017 2018

balance sheet

42.6    
0.500    
467    
467    
0    
467    
0    
0    
183    
790    
336    
454    
305    
0    
0    
149    

asset quality

...    
514    
46.9    

growth rates

...    
...    
...    
...    
...    

market share

< 0.001%   ...
0%   ...
< 0.001%   ...
< 0.001%   ...
0%   ...
< 0.001%   ...
0%   ...

Download Data
ratios Unit
2016 2017 2018

ratios

-82.9%    
-35.3%    
71.5%    
156%    
22.9%    
...    
26.3%    
...    
49.9%    
49.9%    
0.158%    
60.6%    
42.5%    
59.1%    
...    
...    
10.0%    
16.4%    

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Home Credit Indonesia's Equity reached 20.9% of total assets in the 2Q2019, down from 21.1% for the previous year. As a share of net customer loans, the ratio amounted to 27.6% at the end of the second quarter of 2019.

Home Credit Indonesia's non-performing loans reached 3.91% of total loans at the end of 2019-06-30, up from 3.54% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.42% in 2017-12-31 and an all time low

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Home Credit Indonesia's non-performing loans reached 3.91% of total loans at the end of 2019-06-30, up from 3.54% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.42% in 2017-12-31 and an all time low of 3.54% in 2018-06-30.

Provision coverage amounted to 274% at the end of 2019-06-30, up from 271% compared to a year earlier.

The bank created loan loss provisions worth of 18.9% of average loans in 2019-06-30. That's compared to 19.7% of loans the bank put aside to its cost on average in the last five years.

You can see all the bank’s data at Home Credit Indonesia Profile, or you can download a report on the bank in the report section.

Home Credit Indonesia's net interest margin amounted to 22.0% in the second quarter of 2019, down from 24.1% when compared to the previous quarter.

Historically, the bank’s net interest margin reached an all time high of

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Home Credit Indonesia's net interest margin amounted to 22.0% in the second quarter of 2019, down from 24.1% when compared to the previous quarter.

Historically, the bank’s net interest margin reached an all time high of 34.1% in 3Q2017 and an all time low of 22.0% in 2Q2019. The average margin in the last six quarters amounted to 26.7%.

Average asset yield was 32.9% in 2Q2019, down from 38.6% when compared to the same period last year. On the other hand, cost of funding amounted to 13.4% in 2Q2019, up from 11.1%.

You can see all the bank’s data at Home Credit Indonesia Profile, or you can download a report on the bank in the report section.

Home Credit Indonesia generated total banking revenues of IDR 622 bil in the second quarter of 2019, up 28.6% when compared to the same period of last year and 8.42% when compared to the previous quarter.

Historically, the

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Home Credit Indonesia generated total banking revenues of IDR 622 bil in the second quarter of 2019, up 28.6% when compared to the same period of last year and 8.42% when compared to the previous quarter.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of IDR 622 bil in 2Q2019 and an all time low of IDR 60.0 bil in 1Q2016. The average revenue in the last six quarters amounted to IDR 520 bil.

Net interest income represented 47.4% of total revenues, fee income contributed 52.6% and other non-interest income added further 0.037% to the overall revenue generation in 2Q2019.

Bank's total revenues accounted for 43.3% total assets in the second quarter of 2019, down from 47.6% a year earlier.

You can see all the bank’s data at Home Credit Indonesia Profile, or you can download a report on the bank in the report section.

See all charts of the company »
Home Credit Indonesia's net interest margin fell 8.70% to 22.0% in 2Q2019
Home Credit Indonesia's net profit fell 29.7% to IDR -18.2 bil in 2Q2019
Home Credit Indonesia's npls (as % of loans) rose 4.35% to 3.91% in 2Q2019
Home Credit Indonesia's net interest income rose 2.47% to IDR 295 bil in 2Q2019
Home Credit Indonesia's equity (as % of assets) rose 27.4% to 20.9% in 2Q2019