Trust Finance Indonesia

Trust Finance Indonesia's net profit rose 32.1% to IDR 17.6 bil in 2018

By Helgi Analytics - November 05, 2019

Trust Finance Indonesia made a net profit of IDR 17.6 bil under revenues of IDR 41.7 bil in 2018, up 32.1% and 14.6% respectively com...

Trust Finance Indonesia's net interest margin rose 11.1% to 13.8% in 2018

By Helgi Analytics - November 05, 2019

Trust Finance Indonesia's net interest margin amounted to 13.8% in 2018, up from 12.4% compared to the previous year. Hist...

Trust Finance Indonesia's net interest income rose 19.8% to IDR 40.9 bil in 2018

By Helgi Analytics - November 05, 2019

Trust Finance Indonesia generated total banking revenues of IDR 41.7 bil in 2018, up 14.6% compared to the previous year. ...

Profit Statement 2016 2017 2018
Net Interest Income IDR bil 28.7 34.1 40.9
Fee Income (As % Of Revenues) % 0 0 0
Other Income IDR bil 2.62 2.27 0.840
Total Revenues IDR bil 31.3 36.4 41.7
Operating Profit IDR bil 13.3 17.0 23.0
Provisions IDR bil 0 0 0
Net Profit IDR bil 10.6 13.3 17.6
Balance Sheet 2016 2017 2018
Interbank Loans IDR bil 0 0 0
Customer Loans IDR bil 130 217 249
Total Assets IDR bil 268 282 311
Shareholders' Equity IDR bil 235 249 267
Interbank Borrowing IDR bil 0 8.39 25.6
Customer Deposits IDR bil 0 0 0
Issued Debt Securities IDR bil 0 0 0
Ratios 2016 2017 2018
ROE % 4.64 5.51 6.84
ROA % 3.82 4.85 5.95
Costs (As % Of Assets) % 6.46 7.07 6.33
Costs (As % Of Income) % 57.4 53.4 45.0
Net Interest Margin % 10.3 12.4 13.8
NPLs (As % Of Loans) % ... ... ...
Provisions (As % Of NPLs) % ... ... ...
Growth Rates 2016 2017 2018
Total Revenue Growth % 2.62 16.1 14.6
Operating Cost Growth % -7.14 8.03 -3.50
Operating Profit Growth % 19.6 27.1 35.3
Net Profit Growth % 12.2 25.3 32.1
Customer Loan Growth % -48.8 66.7 14.6
Total Asset Growth % -7.28 5.04 10.4
Shareholders' Equity Growth % 4.84 5.83 7.11
Employees 74.0 74.0 77.0

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summary Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                    
Net Interest Income IDR bil ...     43.4 35.7 27.8 26.4 28.7    
Total Revenues IDR bil ...     49.6 41.3 33.2 30.5 31.3    
Operating Profit IDR bil ...     28.9 20.9 13.5 11.2 13.3    
Net Profit IDR bil ...     21.6 15.7 10.1 9.49 10.6    
balance sheet                    
Interbank Loans IDR bil       0 0 0 0 0    
Customer Loans IDR bil       404 317 242 254 130    
Total Assets IDR bil       421 336 267 289 268    
Shareholders' Equity IDR bil       188 204 213 224 235    
Interbank Borrowing IDR bil       214 110 18.3 8.29 0    
Customer Deposits IDR bil       0 0 0 0 0    
Issued Debt Securities IDR bil       0 0 0 0 0    
ratios                    
ROE % ...     12.2 8.00 4.87 4.34 4.64    
ROA % ...     5.27 4.14 3.37 3.41 3.82    
Costs (As % Of Assets) % ...     5.05 5.40 6.54 6.97 6.46    
Costs (As % Of Income) % ...     41.7 49.5 59.4 63.5 57.4    
Net Interest Margin % ...     10.6 9.43 9.22 9.49 10.3    
Interest Income (As % Of Revenues) % ...     87.5 86.4 83.8 86.4 91.6    
Fee Income (As % Of Revenues) % ...     0 0 0 0 0    
Equity (As % Of Assets) %       44.7 60.6 79.9 77.5 87.6    
Loans (As % Assets) %       95.9 94.3 90.7 87.9 48.5    
NPLs (As % Of Loans) %       0.017 0.022 0.029 0.027 ... ... ...
Provisions (As % Of NPLs) %       51,985 33,539 30,717 31,550 ... ... ...
valuation                    
Number Of Shares (Average) mil ...     800 800 800 800 800    
Earnings Per Share (EPS) IDR ...     27.0 19.6 12.7 11.9 13.3    
Book Value Per Share IDR ...     235 255 266 280 294    
Earnings Per Share Growth % ... ...   1.51 -27.4 -35.3 -6.43 12.2    
Book Value Per Share Growth % ... ...   13.0 8.34 4.65 5.24 4.84    
income statement Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                    
Interest Income IDR bil ...     72.4 55.3 37.1 30.9 33.0    
Interest Cost IDR bil ...     29.0 19.6 9.29 4.55 4.30    
Net Interest Income IDR bil ...     43.4 35.7 27.8 26.4 28.7    
Net Fee Income IDR bil ...     0 0 0 0 0    
Other Income IDR bil ...     6.20 5.61 5.39 4.15 2.62    
Total Revenues IDR bil ...     49.6 41.3 33.2 30.5 31.3    
Operating Cost IDR bil ...     20.7 20.4 19.7 19.4 18.0    
Operating Profit IDR bil ...     28.9 20.9 13.5 11.2 13.3    
Provisions IDR bil ...     0.065 0 0 0 0    
Extra and Other Cost IDR bil ...     0.135 < -0.001 0 0 0    
Pre-Tax Profit IDR bil ...     28.7 20.9 13.5 11.2 13.3    
Tax IDR bil ...     7.16 5.20 3.33 1.67 2.70    
Net Profit IDR bil ...     21.6 15.7 10.1 9.49 10.6    
growth rates                    
Net Interest Income Growth % ... ...   -12.1 -17.8 -22.1 -5.04 8.85    
Total Revenue Growth % ... ...   -0.087 -16.8 -19.7 -7.94 2.62    
Operating Cost Growth % ... ...   1.05 -1.18 -3.59 -1.63 -7.14    
Operating Profit Growth % ... ...   -0.881 -27.9 -35.4 -17.2 19.6    
Pre-Tax Profit Growth % ... ...   1.49 -27.4 -35.4 -17.2 19.6    
Net Profit Growth % ... ...   1.51 -27.4 -35.3 -6.43 12.2    
balance sheet Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                    
Cash IDR bil       5.40 10.0 17.0 27.7 46.6    
Interbank Loans IDR bil       0 0 0 0 0    
Customer Loans IDR bil       404 317 242 254 130    
Fixed Assets IDR bil       11.2 8.31 7.06 5.69 9.06    
Total Assets IDR bil       421 336 267 289 268    
Shareholders' Equity IDR bil       188 204 213 224 235    
Liabilities IDR bil       233 132 53.7 65.1 33.1    
Interbank Borrowing IDR bil       214 110 18.3 8.29 0    
Customer Deposits IDR bil       0 0 0 0 0    
Issued Debt Securities IDR bil       0 0 0 0 0    
Other Liabilities IDR bil       18.5 21.8 35.4 56.8 33.1    
asset quality                    
Non-Performing Loans IDR bil       0.076 0.076 0.076 0.076 ... ... ...
Gross Loans IDR bil       443 342 266 279 154    
Total Provisions IDR bil       39.7 25.6 23.5 24.1 23.3    
growth rates                    
Customer Loan Growth % ...     5.73 -21.5 -23.6 5.08 -48.8    
Total Asset Growth % ...     5.72 -20.2 -20.6 8.45 -7.28    
Shareholders' Equity Growth % ...     13.0 8.34 4.65 5.24 4.84    
ratios Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                    
ROE % ...     12.2 8.00 4.87 4.34 4.64    
ROA % ...     5.27 4.14 3.37 3.41 3.82    
Costs (As % Of Assets) % ...     5.05 5.40 6.54 6.97 6.46    
Costs (As % Of Income) % ...     41.7 49.5 59.4 63.5 57.4    
Net Interest Margin % ...     10.6 9.43 9.22 9.49 10.3    
Interest Spread % ...     5.19 3.88 2.32 3.47 3.09    
Asset Yield % ...     17.7 14.6 12.3 11.1 11.8    
Cost Of Liabilities % ...     12.5 10.7 9.99 7.65 8.76    
Interest Income (As % Of Revenues) % ...     87.5 86.4 83.8 86.4 91.6    
Fee Income (As % Of Revenues) % ...     0 0 0 0 0    
Other Income (As % Of Revenues) % ...     12.5 13.6 16.2 13.6 8.35    
Equity (As % Of Assets) %       44.7 60.6 79.9 77.5 87.6    
Loans (As % Assets) %       95.9 94.3 90.7 87.9 48.5    
NPLs (As % Of Loans) %       0.017 0.022 0.029 0.027 ... ... ...
Provisions (As % Of NPLs) %       51,985 33,539 30,717 31,550 ... ... ...
Provisions (As % Of Loans) %       9.84 8.09 9.69 9.47 17.9    
Cost of Provisions (As % Of Loans) % ...     0.016 0 0 0 0    
other data Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                    
Employees       87.0 94.0 93.0 95.0 74.0    

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Trust Finance Indonesia's npls (as % of loans) fell 4.64% to 0.027% in 2015

By Helgi Analytics - November 05, 2019

Trust Finance Indonesia's non-performing loans reached 0.027% of total loans at the end of 2015, down from 0.029% compared to the previous year. Historically, the NPL ratio hit an all time high of 0.178% in 2010 and an all time low of 0.017% in 2012. Provis...

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Finance

Trust Finance Indonesia has been growing its revenues and asset by 11.0% and 2.44% a year on average in the last 3 years. Its loans and deposits have grown by -0.747% 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 5.66% in the last three years with net profit growing 22.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 45.0% in 2018, compared to 51.9% average in the last three years.

Equity represented 85.7% of total assets or 107% of loans at the end of 2018. Trust Finance Indonesia's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.