By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance made a net profit of IDR 487 bil under revenues of IDR 2,227 bil in the second quarter of 2019, up 13% a...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance made a net profit of IDR 487 bil under revenues of IDR 2,227 bil in the second quarter of 2019, up 13% a...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance's net interest margin amounted to 21.5% in the second quarter of 2019, down from 22.1% when compare...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | IDR bil | 4,578 | 7,341 | 6,722 |
| Net Fee Income | IDR bil | 0 | 0 | 0 |
| Other Income | IDR bil | 6,476 | 7,341 | 8,446 |
| Total Revenues | IDR bil | 6,476 | 7,341 | 8,446 |
| Staff Cost | IDR bil | 1,732 | 1,893 | 2,031 |
| Operating Profit | IDR bil | 3,370 | 3,783 | 4,248 |
| Provisions | IDR bil | 1,652 | 1,661 | 1,764 |
| Net Profit | IDR bil | 1,009 | 1,409 | 1,815 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | IDR bil | 0 | 0.650 | 0.650 |
| Customer Loans | IDR bil | 15,947 | 17,319 | 23,501 |
| Total Assets | IDR bil | 27,643 | 29,493 | 31,496 |
| Shareholders' Equity | IDR bil | 4,977 | 5,745 | 7,028 |
| Interbank Borrowing | IDR bil | 0 | 0 | 0 |
| Customer Deposits | IDR bil | 0 | 0 | 0 |
| Issued Debt Securities | IDR bil | 20,053 | 20,573 | 21,200 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 21.6 | 26.3 | 28.4 |
| ROA | % | 3.64 | 4.93 | 5.95 |
| Costs (As % Of Assets) | % | 11.2 | 12.5 | 13.8 |
| Costs (As % Of Income) | % | 48.0 | 48.5 | 49.7 |
| Capital Adequacy Ratio | % | 17.8 | 19.5 | 22.0 |
| Net Interest Margin | % | 16.5 | 25.7 | 22.0 |
| NPLs (As % Of Loans) | % | 20.7 | 23.2 | 20.2 |
| Provisions (As % Of NPLs) | % | 21.0 | 20.0 | 23.9 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 6.69 | 5.06 | 5.01 | |
| Price/Book Value (P/BV) | 1.36 | 1.24 | 1.29 | |
| Dividend Yield | % | 7.48 | 7.09 | 9.98 |
| Earnings Per Share (EPS) | IDR | 1,009 | 1,409 | 1,815 |
| Book Value Per Share | IDR | 4,977 | 5,745 | 7,028 |
| Dividend Per Share | IDR | 505 | 505 | 908 |
Get all company financials in excel:
| summary | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||
| Net Interest Income | IDR bil | ... | 3,015 | 3,492 | 3,730 | 3,881 | 4,578 | ||||
| Total Revenues | IDR bil | ... | 5,560 | 6,394 | 5,989 | 5,866 | 6,476 | ||||
| Operating Profit | IDR bil | ... | 2,653 | 3,568 | 2,870 | 2,679 | 3,370 | ||||
| Net Profit | IDR bil | ... | 1,419 | 1,707 | 792 | 665 | 1,009 | ||||
| balance sheet | |||||||||||
| Interbank Loans | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||
| Customer Loans | IDR bil | 22,152 | 27,008 | 26,073 | 23,390 | 15,947 | |||||
| Debt Securities | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||
| Total Assets | IDR bil | 25,461 | 30,994 | 29,931 | 27,744 | 27,643 | |||||
| Shareholders' Equity | IDR bil | 5,036 | 6,022 | 4,034 | 4,361 | 4,977 | |||||
| Interbank Borrowing | IDR bil | 2,905 | 3,261 | 4,050 | 3,455 | 0 | |||||
| Customer Deposits | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | IDR bil | 15,183 | 18,975 | 19,129 | 17,022 | 20,053 | |||||
| ratios | |||||||||||
| ROE | % | ... | 30.0 | 30.9 | 15.8 | 15.8 | 21.6 | ||||
| ROA | % | ... | 6.70 | 6.05 | 2.60 | 2.31 | 3.64 | ||||
| Costs (As % Of Assets) | % | ... | 13.7 | 10.0 | 10.2 | 11.1 | 11.2 | ||||
| Costs (As % Of Income) | % | ... | 52.3 | 44.2 | 52.1 | 54.3 | 48.0 | ||||
| Capital Adequacy Ratio | % | 19.6 | 19.3 | 13.3 | 15.5 | 17.8 | |||||
| Net Interest Margin | % | ... | 14.2 | 12.4 | 12.2 | 13.5 | 16.5 | ||||
| Interest Income (As % Of Revenues) | % | ... | 54.2 | 54.6 | 62.3 | 66.2 | 70.7 | ||||
| Fee Income (As % Of Revenues) | % | ... | 44.9 | 0 | 0 | 0 | 0 | ||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 60.5 | 49.7 | 55.8 | ||
| Equity (As % Of Assets) | % | 19.8 | 19.4 | 13.5 | 15.7 | 18.0 | |||||
| Loans (As % Assets) | % | 87.0 | 87.1 | 87.1 | 84.3 | 57.7 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 20.7 | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | 21.0 | ||
| valuation | |||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | 581 | 252 | 502 | ||
| Number Of Shares (Average) | mil | ... | ... | ... | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | ||
| Share Price (End Of Period) | RUB | ... | ... | ... | ... | ... | 7,200 | 3,470 | 6,750 | ||
| Earnings Per Share (EPS) | IDR | ... | ... | ... | 1,419 | 1,707 | 792 | 665 | 1,009 | ||
| Book Value Per Share | IDR | ... | ... | ... | 5,036 | 6,022 | 4,034 | 4,361 | 4,977 | ||
| Dividend Per Share | IDR | ... | ... | ... | 709 | 2,700 | 396 | 333 | 505 | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | 9.09 | 5.22 | 6.69 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | 1.78 | 0.796 | 1.36 | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | 5.50 | 9.58 | 7.48 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | 20.3 | -53.6 | -16.1 | 51.8 | ||
| Book Value Per Share Growth | % | ... | ... | 21.8 | 19.6 | -33.0 | 8.11 | 14.1 |
| income statement | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||
| Interest Income | IDR bil | ... | 4,208 | 5,163 | 5,992 | 6,079 | 6,515 | ||||
| Interest Cost | IDR bil | ... | 1,193 | 1,671 | 2,262 | 2,198 | 1,937 | ||||
| Net Interest Income | IDR bil | ... | 3,015 | 3,492 | 3,730 | 3,881 | 4,578 | ||||
| Net Fee Income | IDR bil | ... | 2,496 | 0 | 0 | 0 | 0 | ||||
| Other Income | IDR bil | ... | 3,063 | 6,394 | 5,989 | 5,866 | 6,476 | ||||
| Total Revenues | IDR bil | ... | 5,560 | 6,394 | 5,989 | 5,866 | 6,476 | ||||
| Staff Cost | IDR bil | ... | ... | ... | ... | ... | 1,887 | 1,585 | 1,732 | ||
| Depreciation | IDR bil | ... | ... | ... | ... | ... | ... | ... | 75.1 | ||
| Other Cost | IDR bil | ... | ... | ... | ... | ... | ... | ... | 1,299 | ||
| Operating Cost | IDR bil | ... | 2,907 | 2,826 | 3,120 | 3,187 | 3,106 | ||||
| Operating Profit | IDR bil | ... | 2,653 | 3,568 | 2,870 | 2,679 | 3,370 | ||||
| Provisions | IDR bil | ... | 750 | 1,278 | 1,809 | 1,778 | 1,652 | ||||
| Extra and Other Cost | IDR bil | ... | 7.26 | 7.55 | 0 | 0 | 0 | ||||
| Pre-Tax Profit | IDR bil | ... | 1,896 | 2,282 | 1,061 | 901 | 1,718 | ||||
| Tax | IDR bil | ... | 477 | 575 | 268 | 236 | 708 | ||||
| Minorities | IDR bil | ... | 0 | 0 | 0 | 0 | 0 | ||||
| Net Profit | IDR bil | ... | 1,419 | 1,707 | 792 | 665 | 1,009 | ||||
| Dividends | IDR bil | ... | 709 | 2,700 | 396 | 333 | 505 | ||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | ... | 21.8 | 15.8 | 6.80 | 4.05 | 18.0 | |||
| Net Fee Income Growth | % | ... | ... | 11.5 | -100 | ... | ... | ... | ... | ... | |
| Total Revenue Growth | % | ... | ... | 16.6 | 15.0 | -6.33 | -2.06 | 10.4 | |||
| Operating Cost Growth | % | ... | ... | 32.4 | -2.78 | 10.4 | 2.17 | -2.56 | |||
| Operating Profit Growth | % | ... | ... | 3.05 | 34.5 | -19.6 | -6.66 | 25.8 | |||
| Pre-Tax Profit Growth | % | ... | ... | -10.2 | 20.4 | -53.5 | -15.1 | 90.7 | |||
| Net Profit Growth | % | ... | ... | -10.4 | 20.3 | -53.6 | -16.1 | 51.8 |
| balance sheet | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||
| Cash | IDR bil | 2,249 | 1,264 | 582 | 1,060 | 941 | |||||
| Interbank Loans | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||
| Customer Loans | IDR bil | 22,152 | 27,008 | 26,073 | 23,390 | 15,947 | |||||
| Debt Securities | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||
| Fixed Assets | IDR bil | 331 | 331 | 358 | 317 | 305 | |||||
| Total Assets | IDR bil | 25,461 | 30,994 | 29,931 | 27,744 | 27,643 | |||||
| Shareholders' Equity | IDR bil | 5,036 | 6,022 | 4,034 | 4,361 | 4,977 | |||||
| Of Which Minority Interest | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | IDR bil | 20,425 | 24,972 | 25,897 | 23,383 | 22,666 | |||||
| Interbank Borrowing | IDR bil | 2,905 | 3,261 | 4,050 | 3,455 | 0 | |||||
| Customer Deposits | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | IDR bil | 15,183 | 18,975 | 19,129 | 17,022 | 20,053 | |||||
| Other Liabilities | IDR bil | 2,337 | 2,737 | 2,718 | 2,907 | 2,613 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | IDR bil | ... | ... | ... | ... | ... | ... | ... | 3,458 | ||
| Gross Loans | IDR bil | 22,886 | 27,912 | 27,180 | 24,462 | 16,671 | |||||
| Total Provisions | IDR bil | 734 | 904 | 1,107 | 1,072 | 725 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 67.3 | 21.9 | -3.46 | -10.3 | -31.8 | ||||
| Total Asset Growth | % | ... | 50.7 | 21.7 | -3.43 | -7.31 | -0.364 | ||||
| Shareholders' Equity Growth | % | ... | 13.9 | 19.6 | -33.0 | 8.11 | 14.1 |
| ratios | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||
| ROE | % | ... | 30.0 | 30.9 | 15.8 | 15.8 | 21.6 | ||||
| ROA | % | ... | 6.70 | 6.05 | 2.60 | 2.31 | 3.64 | ||||
| Costs (As % Of Assets) | % | ... | 13.7 | 10.0 | 10.2 | 11.1 | 11.2 | ||||
| Costs (As % Of Income) | % | ... | 52.3 | 44.2 | 52.1 | 54.3 | 48.0 | ||||
| Capital Adequacy Ratio | % | 19.6 | 19.3 | 13.3 | 15.5 | 17.8 | |||||
| Net Interest Margin | % | ... | 14.2 | 12.4 | 12.2 | 13.5 | 16.5 | ||||
| Interest Spread | % | ... | 12.6 | 10.9 | 10.8 | 12.2 | 15.1 | ||||
| Asset Yield | % | ... | 19.9 | 18.3 | 19.7 | 21.1 | 23.5 | ||||
| Cost Of Liabilities | % | ... | 7.25 | 7.36 | 8.89 | 8.92 | 8.41 | ||||
| Payout Ratio | % | ... | 50.0 | 158 | 50.0 | 50.0 | 50.0 | ||||
| Interest Income (As % Of Revenues) | % | ... | 54.2 | 54.6 | 62.3 | 66.2 | 70.7 | ||||
| Fee Income (As % Of Revenues) | % | ... | 44.9 | 0 | 0 | 0 | 0 | ||||
| Other Income (As % Of Revenues) | % | ... | 55.1 | 100 | 100 | 100 | 100 | ||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 766 | 652 | 751 | ||
| Cost Per Employee (Local Currency) | RUB per month | ... | ... | ... | ... | ... | 9,411,510 | 8,530,600 | 10,221,400 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 60.5 | 49.7 | 55.8 | ||
| Equity (As % Of Assets) | % | 19.8 | 19.4 | 13.5 | 15.7 | 18.0 | |||||
| Loans (As % Assets) | % | 87.0 | 87.1 | 87.1 | 84.3 | 57.7 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 20.7 | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | 21.0 | ||
| Provisions (As % Of Loans) | % | 3.31 | 3.35 | 4.24 | 4.58 | 4.54 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | 4.24 | 5.20 | 6.82 | 7.19 | 8.40 |
Get all company financials in excel:
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end second quarter of 2019 implying a market capitalization of USD 697 mil. Since the end of 2Q2014, the stock has depreciated by -13.2 % implying an annual average growth of -2.80 %. In absolute ...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end second quarter of 2019 implying a market capitalization of USD 697 mil. Since the end of 2Q2014, the stock has depreciated by -13.2 % implying an annual average growth of -2.80 %. In absolute ...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance's net interest margin amounted to 21.5% in the second quarter of 2019, down from 22.1% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 68.4% in 4Q2009 and an all tim...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance generated total banking revenues of IDR 2,227 bil in the second quarter of 2019, up 7.52% when compared to the same period of last year and 0.125% when compared to the previous quarter. Historically, the bank’s revenues containing...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end of second quarter of 2019 implying a market capitalization of USD 697 mil. Over the last five years, the stock has depreciated by 13.2 implying an annual average growth of -2.80% ...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance generated total banking revenues of IDR 2,227 bil in the second quarter of 2019, up 7.52% when compared to the same period of last year and 0.125% when compared to the previous quarter. Historically, the bank’s revenues containing...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end of second quarter of 2019 implying a market capitalization of USD 697 mil. Over the last five years, the stock has depreciated by 13.2 implying an annual average growth of -2.80% ...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end of second quarter of 2019 implying a market capitalization of USD 697 mil. Over the last five years, the stock has depreciated by -13.2 % implying an annual average growth of -2.80 %. In absol...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance stock traded at RUB 9,850 per share at the end of second quarter of 2019 implying a market capitalization of USD 697 mil. Over the last five years, the stock has depreciated by -13.2 % implying an annual average growth of -2.80 %. In absol...
By Helgi Library - October 24, 2019
Adira Dinamika Multi Finance's Equity reached 22.8% of total assets in the 2Q2019, up from 19.5% for the previous year. As a share of net customer loans, the ratio amounted to 29.6% at the end of the second quarter of 2019. ...
Adira Dinamika Multi Finance has been growing its revenues and asset by 12.9% and 4.32% a year on average in the last 3 years. Its loans and deposits have grown by 0.159% 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 25.4% in the last three years with net profit growing 39.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.7% in 2018, compared to 48.7% average in the last three years.
Equity represented 22.3% of total assets or 29.9% of loans at the end of 2018. Adira Dinamika Multi Finance's non-performing loans were 20.2% of total loans while provisions covered some 23.9% of NPLs at the end of 2018.
Adira Dinamika Multi Finance stock traded at RUB 9,100 per share at the end of 2018 resulting in a market capitalization of USD 672 mil. Over the previous five years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 21.6% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 5.01x and price to book value (PBV) of 1.29x in 2018.
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