Oto Multiartha

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

By Helgi Analytics - March 4, 2020

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% yoy to IDR 425 bil in 2018

By Helgi Analytics - September 27, 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 ...

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

By Helgi Analytics - September 27, 2019

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

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
Staff Cost IDR bil 385 417 443
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
Customer Loans IDR bil 20,856 21,663 21,474
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
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 2012 2013 2014 2015 2016 2017 2018
income statement              
Net Interest Income IDR bil ... 488 568 898 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              
Customer Loans IDR bil ... 14,373 18,754 19,717 20,856    
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    
Issued Debt Securities IDR bil ... 7,606 8,574 9,123 9,687    
ratios              
ROE % ... ... 7.08 8.26 8.92    
ROA % ... ... 1.62 1.82 2.00    
Costs (As % Of Assets) % ... ... 3.90 3.62 4.22    
Costs (As % Of Income) % ... 43.4 54.1 54.3 54.1    
Net Interest Margin % ... ... 3.04 4.17 5.06    
Interest Income (As % Of Revenues) % ... 33.7 42.1 62.6 64.8    
Fee Income (As % Of Revenues) % ... 61.1 38.8 21.6 18.9    
Staff Cost (As % Of Total Cost) % ... 42.1 41.7 44.7 40.2    
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 ... ... ... ... ...    
Dividend Per Share IDR ... ... ... ... ...    
Earnings Per Share Growth % ... ... ... ... ... ...  
Book Value Per Share Growth % ... ... ... ... ... ...  
income statement Unit 2012 2013 2014 2015 2016 2017 2018
income statement              
Interest Income IDR bil ... 1,311 1,834 2,481 2,843    
Interest Cost IDR bil ... 822 1,266 1,583 1,697    
Net Interest Income IDR bil ... 488 568 898 1,146    
Net Fee Income IDR bil ... 886 525 310 335    
Other Income IDR bil ... 75.5 258 226 288    
Total Revenues IDR bil ... 1,450 1,351 1,435 1,768    
Staff Cost IDR bil ... 265 304 348 385    
Depreciation IDR bil ... ... 26.7 37.8 60.2    
Other Cost IDR bil ... ... 399 393 511    
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    
Minorities IDR bil ... 0 0 0 0    
Net Profit IDR bil ... 463 304 392 452    
Dividends IDR bil ... ... ... ... ...    
growth rates              
Net Interest Income Growth % ... ... 16.4 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    
market share              
Market Share in Revenues % ... 0.411 0.340 0.327 0.351   ...
Market Share in Net Profit % ... 0.414 0.266 0.395 0.478   ...
balance sheet Unit 2012 2013 2014 2015 2016 2017 2018
balance sheet              
Cash IDR bil ... 629 417 542 841    
Customer Loans IDR bil ... 14,373 18,754 19,717 20,856    
Retail Loans IDR bil ... 14,373 19,093 20,014 21,121    
Fixed Assets IDR bil ... 91.0 128 214 387    
Intangible Assets IDR bil ... 0 0 0 0    
Goodwill IDR bil ... ... ... ... ...   ...
Total Assets IDR bil ... 16,671 20,741 22,288 22,957    
Shareholders' Equity IDR bil ... 4,062 4,511 4,986 5,144    
Of Which Minority Interest IDR bil ... 0 0 0 0    
Liabilities IDR bil ... 12,609 16,229 17,301 17,813    
Interbank Borrowing IDR bil ... 4,414 6,410 7,519 7,100    
Issued Debt Securities IDR bil ... 7,606 8,574 9,123 9,687    
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    
Retail Loan Growth % ... ... 32.8 4.83 5.53    
Total Asset Growth % ... ... 24.4 7.46 3.00    
Shareholders' Equity Growth % ... ... 11.1 10.5 3.17    
market share              
Market Share in Customer Loans % ... 0.419 0.495 0.482 0.479   ...
Market Share in Consumer Loans % ... 1.54 1.15 1.12 0.960   ...
Market Share in Total Assets % ... 0.337 0.370 0.365 0.346   ...
ratios Unit 2012 2013 2014 2015 2016 2017 2018
ratios              
ROE % ... ... 7.08 8.26 8.92    
ROA % ... ... 1.62 1.82 2.00    
Costs (As % Of Assets) % ... ... 3.90 3.62 4.22    
Costs (As % Of Income) % ... 43.4 54.1 54.3 54.1    
Net Interest Margin % ... ... 3.04 4.17 5.06    
Interest Spread % ... ... 1.03 2.09 2.90    
Asset Yield % ... ... 9.81 11.5 12.6    
Cost Of Liabilities % ... ... 8.78 9.44 9.67    
Payout Ratio % ... ... ... ... ...    
Interest Income (As % Of Revenues) % ... 33.7 42.1 62.6 64.8    
Fee Income (As % Of Revenues) % ... 61.1 38.8 21.6 18.9    
Other Income (As % Of Revenues) % ... 5.21 19.1 15.8 16.3    
Cost Per Employee USD per month ... 1,253 816 769 817    
Cost Per Employee (Local Currency) IDR per month ... 13,059,500 10,019,400 10,062,800 11,129,500    
Staff Cost (As % Of Total Cost) % ... 42.1 41.7 44.7 40.2    
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) % ... ... 1.19 0.612 0.971    
other data Unit 2012 2013 2014 2015 2016 2017 2018
other data              
Employees 2,065 1,689 2,532 2,880 2,880    
Return on Loans % ... ... 1.83 2.04 2.23    
Operating Profit (As % of Loans) % ... ... 3.75 3.41 4.00    
Costs (As % Of Loans) % ... ... 4.41 4.05 4.71    
Equity (As % Of Loans) % ... 28.3 24.1 25.3 24.7    

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Oto Multiartha's total revenues rose 22.9% yoy to IDR 2,174 bil in 2017

By Helgi Analytics - March 4, 2020

Oto Multiartha generated total banking revenues of IDR 2,174 bil in 2017, up 22.9% compared to the previous year. Indonesian banking sector banking sector generated total revenues of IDR 516,680,067 mil in 2017, up 2.44% when compared to the last year...

Oto Multiartha's customer loans rose 3.87% yoy to IDR 21,663 bil in 2017

By Helgi Analytics - March 4, 2020

Oto Multiartha's customer loans reached IDR 21,663 bil in 2017, up 3.87% compared to the previous year. Indonesian banking sector provided customer loans of IDR 4,736,963 bil in 2017, up 8.70% when compared to the last year. Oto Multiartha accounted for 0...

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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 % 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 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.