Oto Multiartha

Oto Multiartha's net interest margin rose 11.5% to 7.21% in 2018

By Helgi Analytics - November 05, 2019

Oto Multiartha's net interest margin amounted to 7.21% in 2018, up from 6.46% compared to the previous year. Historically,...

Oto Multiartha's net interest income rose 14.6% to IDR 1,721 bil in 2018

By Helgi Analytics - November 05, 2019

Oto Multiartha generated total banking revenues of IDR 2,487 bil in 2018, up 14.4% compared to the previous year. Histori...

Oto Multiartha's net profit rose 55.7% to IDR 425 bil in 2018

By Helgi Analytics - November 05, 2019

Oto Multiartha made a net profit of IDR 425 bil under revenues of IDR 2,487 bil in 2018, up 55.7% and 14.4% respectively compared to ...

Profit Statement 2016 2017 2018
Net Interest Income IDR bil 1,146 1,501 1,721
Fee Income (As % Of Revenues) % 18.9 15.1 11.7
Other Income IDR bil 288 344 475
Total Revenues IDR bil 1,768 2,174 2,487
Operating Profit IDR bil 812 844 1,189
Provisions IDR bil 197 397 586
Net Profit IDR bil 452 273 425
Balance Sheet 2016 2017 2018
Interbank Loans IDR bil 0 0 0
Customer Loans IDR bil 20,856 21,663 21,474
Debt Securities IDR bil 0 0 0
Total Assets IDR bil 22,957 23,502 24,259
Shareholders' Equity IDR bil 5,144 5,223 5,883
Interbank Borrowing IDR bil 7,100 6,337 7,316
Customer Deposits IDR bil 0 0 0
Issued Debt Securities IDR bil 9,687 9,824 8,407
Ratios 2016 2017 2018
ROE % 8.92 5.26 7.65
ROA % 2.00 1.17 1.78
Costs (As % Of Assets) % 4.22 5.73 5.44
Costs (As % Of Income) % 54.1 61.2 52.2
Net Interest Margin % 5.06 6.46 7.21
Growth Rates 2016 2017 2018
Total Revenue Growth % 23.2 22.9 14.4
Operating Cost Growth % 22.8 39.2 -2.39
Operating Profit Growth % 23.8 3.87 40.9
Net Profit Growth % 15.2 -39.7 55.7
Customer Loan Growth % 5.78 3.87 -0.872
Total Asset Growth % 3.00 2.38 3.22
Shareholders' Equity Growth % 3.17 1.53 12.6
Employees 2,880 1,897 1,800

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summary Unit 2013 2014 2015 2016 2017 2018
income statement            
Net Interest Income IDR bil 464 568 898 1,146    
Total Revenues IDR bil 1,450 1,351 1,435 1,768    
Operating Profit IDR bil 821 620 656 812    
Net Profit IDR bil 463 304 392 452    
balance sheet            
Interbank Loans IDR bil 0 0 0 0    
Customer Loans IDR bil 14,373 18,754 19,717 20,856    
Debt Securities IDR bil 0 0 0 0    
Total Assets IDR bil 16,671 20,741 22,288 22,957    
Shareholders' Equity IDR bil 4,062 4,511 4,986 5,144    
Interbank Borrowing IDR bil 4,414 6,410 7,519 7,100    
Customer Deposits IDR bil 0 0 0 0    
Issued Debt Securities IDR bil 7,606 8,574 9,123 9,687    
ratios            
ROE % 11.4 7.08 8.26 8.92    
ROA % 2.78 1.62 1.82 2.00    
Costs (As % Of Assets) % 3.77 3.90 3.62 4.22    
Costs (As % Of Income) % 43.4 54.1 54.3 54.1    
Net Interest Margin % 2.79 3.04 4.17 5.06    
Interest Income (As % Of Revenues) % 32.0 42.1 62.6 64.8    
Fee Income (As % Of Revenues) % 61.1 38.8 21.6 18.9    
Equity (As % Of Assets) % 24.4 21.8 22.4 22.4    
Loans (As % Assets) % 86.2 90.4 88.5 90.8    
valuation            
Number Of Shares (Average) mil ... ... ... ...    
Earnings Per Share (EPS) IDR ... ... ... ...    
Book Value Per Share IDR ... ... ... ...    
Earnings Per Share Growth % ... ... ... ... ...  
Book Value Per Share Growth % ... ... ... ... ...  
income statement Unit 2013 2014 2015 2016 2017 2018
income statement            
Interest Income IDR bil 1,286 1,834 2,481 2,843    
Interest Cost IDR bil 822 1,266 1,583 1,697    
Net Interest Income IDR bil 464 568 898 1,146    
Net Fee Income IDR bil 886 525 310 335    
Other Income IDR bil 99.6 258 226 288    
Total Revenues IDR bil 1,450 1,351 1,435 1,768    
Operating Cost IDR bil 629 730 779 956    
Operating Profit IDR bil 821 620 656 812    
Provisions IDR bil 145 198 118 197    
Extra and Other Cost IDR bil 3.71 15.2 15.9 8.92    
Pre-Tax Profit IDR bil 672 408 522 606    
Tax IDR bil 209 104 130 154    
Net Profit IDR bil 463 304 392 452    
growth rates            
Net Interest Income Growth % ... 22.4 58.0 27.6    
Net Fee Income Growth % ... -40.8 -40.8 7.80    
Total Revenue Growth % ... -6.82 6.21 23.2    
Operating Cost Growth % ... 16.1 6.60 22.8    
Operating Profit Growth % ... -24.4 5.74 23.8    
Pre-Tax Profit Growth % ... -39.3 28.2 16.1    
Net Profit Growth % ... -34.4 29.3 15.2    
balance sheet Unit 2013 2014 2015 2016 2017 2018
balance sheet            
Cash IDR bil 629 417 542 841    
Interbank Loans IDR bil 0 0 0 0    
Customer Loans IDR bil 14,373 18,754 19,717 20,856    
Debt Securities IDR bil 0 0 0 0    
Fixed Assets IDR bil 91.0 128 214 387    
Total Assets IDR bil 16,671 20,741 22,288 22,957    
Shareholders' Equity IDR bil 4,062 4,511 4,986 5,144    
Liabilities IDR bil 12,609 16,229 17,301 17,813    
Interbank Borrowing IDR bil 4,414 6,410 7,519 7,100    
Customer Deposits IDR bil 0 0 0 0    
Issued Debt Securities IDR bil 7,606 8,574 9,123 9,687    
Other Liabilities IDR bil 589 1,245 660 1,025    
asset quality            
Gross Loans IDR bil 14,660 19,093 20,014 21,121    
Total Provisions IDR bil 286 338 297 265    
growth rates            
Customer Loan Growth % ... 30.5 5.13 5.78    
Total Asset Growth % ... 24.4 7.46 3.00    
Shareholders' Equity Growth % ... 11.1 10.5 3.17    
ratios Unit 2013 2014 2015 2016 2017 2018
ratios            
ROE % 11.4 7.08 8.26 8.92    
ROA % 2.78 1.62 1.82 2.00    
Costs (As % Of Assets) % 3.77 3.90 3.62 4.22    
Costs (As % Of Income) % 43.4 54.1 54.3 54.1    
Net Interest Margin % 2.79 3.04 4.17 5.06    
Interest Spread % ... 1.03 2.09 2.90    
Asset Yield % 7.72 9.81 11.5 12.6    
Cost Of Liabilities % ... 8.78 9.44 9.67    
Interest Income (As % Of Revenues) % 32.0 42.1 62.6 64.8    
Fee Income (As % Of Revenues) % 61.1 38.8 21.6 18.9    
Other Income (As % Of Revenues) % 6.87 19.1 15.8 16.3    
Equity (As % Of Assets) % 24.4 21.8 22.4 22.4    
Loans (As % Assets) % 86.2 90.4 88.5 90.8    
Provisions (As % Of Loans) % 1.99 1.80 1.51 1.27    
Cost of Provisions (As % Of Loans) % 1.01 1.19 0.612 0.971    
other data Unit 2013 2014 2015 2016 2017 2018
other data            
Employees 1,689 2,532 2,880 2,880    

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Finance

Oto Multiartha has been growing its revenues and asset by 20.1% and 2.87% a year on average in the last 3 years. Its loans and deposits have grown by 2.89% 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 7.28% in the last three years with net profit growing 2.67% a year on average. In terms of operating efficiency, its cost to income ratio reached 52.2% in 2018, compared to 55.8% average in the last three years.

Equity represented 24.2% of total assets or 27.4% of loans at the end of 2018. Oto Multiartha's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.