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Bank Central Asia

Bank Central Asia's net profit rose 4.11% yoy to IDR 7,647 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia made a net profit of IDR 7,647 bil in the fourth quarter of 2019, up 4.11% when compared to the same period of ...

Bank Central Asia's net profit rose 4.11% yoy to IDR 7,647 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia made a net profit of IDR 7,647 bil in the fourth quarter of 2019, up 4.11% when compared to the same period of ...

Bank Central Asia's price/earnings (P/E) rose 23.5% yoy to 26.9 in 4Q2019

By Helgi Library - March 3, 2020

Bank Central Asia stock traded at IDR 33,425 per share at the end fourth quarter of 2019 implying a market capitalization of USD 59,514 mil. ...

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Annual Quarterly LTM

Profit Statement		2017	2018	2019
Net Interest Income	IDR bil	41,827	45,291	50,477
Net Fee Income	IDR bil	10,386	11,996	13,608
Other Income	IDR bil	4,574	5,939	7,518
Total Revenues	IDR bil	56,787	63,226	71,604
Staff Cost	IDR bil	11,335	12,143	13,337
Operating Profit	IDR bil	31,596	35,571	40,853
Provisions	IDR bil	2,191	2,953	4,738
Net Profit	IDR bil	23,310	25,853	28,559

Balance Sheet		2017	2018	2019
Interbank Loans	IDR bil	37,322	49,393	51,046
Customer Loans	IDR bil	473,694	545,743	596,124
Total Assets	IDR bil	750,320	824,788	918,989
Shareholders' Equity	IDR bil	131,402	151,753	174,143
Interbank Borrowing	IDR bil	8,967	8,834	9,778
Customer Deposits	IDR bil	585,572	635,029	704,795
Issued Debt Securities	IDR bil	593	731	1,339

Ratios		2017	2018	2019
ROE	%	19.1	18.3	17.5
ROA	%	3.27	3.28	3.28
Costs (As % Of Assets)	%	3.53	3.51	3.53
Costs (As % Of Income)	%	44.4	43.7	42.9
Capital Adequacy Ratio	%	23.1	24.0	24.6
Net Interest Margin	%	5.86	5.75	5.79
Loans (As % Of Deposits)	%	80.9	85.9	84.6
NPLs (As % Of Loans)	%	2.77	2.88	2.95
Provisions (As % Of NPLs)	%	101	86.9	86.0

Valuation		2017	2018	2019
Price/Earnings (P/E)		23.2	24.8	28.9
Price/Book Value (P/BV)		4.11	4.22	4.73
Dividend Yield	%	1.16	1.31	...
Earnings Per Share (EPS)	IDR	945	1,049	1,158
Book Value Per Share	IDR	5,330	6,155	7,063
Dividend Per Share	IDR	255	340	...

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summary	Unit	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
income statement
Net Interest Income	IDR bil																	26,425	32,027	35,869	40,079	41,827
Total Revenues	IDR bil																	33,619	41,371	47,844	53,770	56,787
Operating Profit	IDR bil																	18,987	22,979	26,130	30,391	31,596
Net Profit	IDR bil																	14,254	16,483	18,015	20,610	23,310
balance sheet
Interbank Loans	IDR bil																	56,758	42,923	65,213	50,377	37,322
Customer Loans	IDR bil																	314,724	350,226	388,738	415,587	473,694
Debt Securities	IDR bil																	49,646	73,200	52,937	113,836	137,106
Total Assets	IDR bil																	496,305	553,156	594,373	676,739	750,320
Shareholders' Equity	IDR bil																	63,967	75,726	89,625	112,715	131,402
Interbank Borrowing	IDR bil																	5,161	6,695	7,218	9,215	8,967
Customer Deposits	IDR bil																	411,180	450,155	476,820	533,965	585,572
Issued Debt Securities	IDR bil																	1,887	2,658	1,615	1,064	593
ratios
ROE	%	...																24.6	23.6	21.8	20.4	19.1
ROA	%	...																3.03	3.14	3.14	3.24	3.27
Costs (As % Of Assets)	%	...																3.12	3.51	3.78	3.68	3.53
Costs (As % Of Income)	%																	43.5	44.5	45.4	43.5	44.4
Capital Adequacy Ratio	%												...					16.0	17.2	19.0	22.2	23.1
Net Interest Margin	%	...																5.63	6.10	6.25	6.31	5.86
Interest Income (As % Of Revenues)	%																	78.6	77.4	75.0	74.5	73.7
Fee Income (As % Of Revenues)	%																	18.8	17.6	17.5	17.5	18.3
Staff Cost (As % Of Total Cost)	%																	46.9	47.1	44.8	45.5	45.0
Equity (As % Of Assets)	%																	12.9	13.7	15.1	16.7	17.5
Loans (As % Of Deposits)	%																	76.5	77.8	81.5	77.8	80.9
Loans (As % Assets)	%																	63.4	63.3	65.4	61.4	63.1
NPLs (As % Of Loans)	%																	0.428	0.579	0.704	1.27	2.77
Provisions (As % Of NPLs)	%																	415	334	333	235	101
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...														19,449	26,034	23,666	28,224	39,737
Number Of Shares (Average)	mil	...	...	...	...													24,635	24,655	24,655	24,655	24,655
Share Price (End Of Period)	IDR	...	...	...														9,600	13,125	13,300	15,500	21,900
Earnings Per Share (EPS)	IDR	...	...	...	...													579	669	731	836	945
Book Value Per Share	IDR	...	...	...	...													2,597	3,071	3,635	4,572	5,330
Dividend Per Share	IDR	...	...															120	148	60.0	200	255		...
Price/Earnings (P/E)		...	...	...	...													16.6	19.6	18.2	18.5	23.2
Price/Book Value (P/BV)		...	...	...	...													3.70	4.27	3.66	3.39	4.11
Dividend Yield	%	...	...	...														1.25	1.13	0.451	1.29	1.16		...
Earnings Per Share Growth	%	...	...	...	...	...												20.5	15.5	9.30	14.4	13.0
Book Value Per Share Growth	%	...																22.1	18.3	18.4	25.8	16.6

income statement	Unit	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
income statement
Interest Income	IDR bil																	34,277	43,771	47,082	50,426	53,768
Interest Cost	IDR bil																	7,852	11,745	11,213	10,347	11,942
Net Interest Income	IDR bil																	26,425	32,027	35,869	40,079	41,827
Net Fee Income	IDR bil																	6,310	7,285	8,356	9,401	10,386
Other Income	IDR bil																	884	2,060	3,620	4,290	4,574
Total Revenues	IDR bil																	33,619	41,371	47,844	53,770	56,787
Staff Cost	IDR bil																	6,865	8,671	9,729	10,630	11,335
Depreciation	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Other Cost	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Operating Cost	IDR bil																	14,632	18,392	21,714	23,379	25,190
Operating Profit	IDR bil																	18,987	22,979	26,130	30,391	31,596
Provisions	IDR bil																	1,872	1,929	3,438	4,788	2,191
Extra and Other Cost	IDR bil																	-700	313	38.9	-242	247
Pre-Tax Profit	IDR bil																	17,816	20,737	22,653	25,845	29,159
Tax	IDR bil																	3,559	4,228	4,620	5,208	5,838
Minorities	IDR bil																	2.41	25.8	17.1	26.5	11.2
Net Profit	IDR bil																	14,254	16,483	18,015	20,610	23,310
Dividends	IDR bil																	2,959	3,649	1,479	4,931	6,287		...
growth rates
Net Interest Income Growth	%	...																24.4	21.2	12.0	11.7	4.36
Net Fee Income Growth	%	...																15.7	15.5	14.7	12.5	10.5
Total Revenue Growth	%	...																22.1	23.1	15.6	12.4	5.61
Operating Cost Growth	%	...																13.8	25.7	18.1	7.67	7.75
Operating Profit Growth	%	...																29.3	21.0	13.7	16.3	3.97
Pre-Tax Profit Growth	%	...																21.3	16.4	9.24	14.1	12.8
Net Profit Growth	%	...																21.6	15.6	9.30	14.4	13.1
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...									9.52	10.4	10.9	10.7	11.0	...	...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...									12.8	14.4	18.1	21.8	18.1	...	...
Market Share in Branches	%	...	...	...									...					...	...	...	...	...	...	...

balance sheet	Unit	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
balance sheet
Cash	IDR bil																	51,553	58,453	55,624	56,541	60,227
Interbank Loans	IDR bil																	56,758	42,923	65,213	50,377	37,322
Customer Loans	IDR bil																	314,724	350,226	388,738	415,587	473,694
Retail Loans	IDR bil	...	...	...	...	...	...	...										94,077	101,515	110,649	120,734	138,941
Mortgage Loans	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...					52,949	54,652	59,415	63,959	73,026
Consumer Loans	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...					41,128	46,864	51,234	56,775	65,915
Corporate Loans	IDR bil	...	...	...	...	...	...	...	...									226,342	255,619	287,406	307,659	348,441
Debt Securities	IDR bil																	49,646	73,200	52,937	113,836	137,106
Fixed Assets	IDR bil																	7,440	8,845	9,712	16,991	16,869
Intangible Assets	IDR bil												...					0	0	0	0	0
Goodwill	IDR bil	...	...	...	...	...	...	...	...									0	0	0	0	0
Total Assets	IDR bil																	496,305	553,156	594,373	676,739	750,320
Shareholders' Equity	IDR bil																	63,967	75,726	89,625	112,715	131,402
Of Which Minority Interest	IDR bil																	101	238	256	282	98.1
Liabilities	IDR bil																	432,338	477,430	504,748	564,024	618,918
Interbank Borrowing	IDR bil																	5,161	6,695	7,218	9,215	8,967
Customer Deposits	IDR bil																	411,180	450,155	476,820	533,965	585,572
Sight Deposits	IDR bil																	103,157	107,419	115,653	137,853	151,250
Term Deposits	IDR bil																	306,329	340,486	358,013	392,281	429,866
Issued Debt Securities	IDR bil																	1,887	2,658	1,615	1,064	593
Subordinated Debt	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Other Liabilities	IDR bil																	14,110	17,921	19,094	19,780	23,787
asset quality
Non-Performing Loans	IDR bil																	1,373	2,068	2,802	5,452	13,514
Gross Loans	IDR bil																	320,419	357,135	398,056	428,393	487,382
Total Provisions	IDR bil																	5,695	6,909	9,317	12,806	13,688
growth rates
Customer Loan Growth	%	...																21.4	11.3	11.0	6.91	14.0
Retail Loan Growth	%	...	...	...	...	...	...	...	...									37.4	7.91	9.00	9.11	15.1
Mortgage Loan Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...				26.7	3.22	8.72	7.65	14.2
Consumer Loan Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...				54.2	13.9	9.33	10.8	16.1
Corporate Loan Growth	%	...	...	...	...	...	...	...	...	...								20.1	12.9	12.4	7.05	13.3
Total Asset Growth	%	...																12.0	11.5	7.45	13.9	10.9
Shareholders' Equity Growth	%	...																23.3	18.4	18.4	25.8	16.6
Customer Deposit Growth	%	...																10.7	9.48	5.92	12.0	9.66
market share
Market Share in Customer Loans	%	...	...	...	...	...	...	...										9.18	9.25	9.50	9.54	10.00	...	...
Market Share in Corporate Loans	%	...	...	...	...	...	...	...	...									14.3	14.5	14.5	14.6	15.4	...	...
Market Share in Retail Loans	%	...	...	...	...	...	...	...	...	...	...	...	...	...				6.23	3.50	3.54	3.10	3.40	...	...
Market Share in Consumer Loans	%	...	...	...	...	...	...	...	...	...	...	...	...	...				10.1	6.13	6.20	5.49	5.92	...	...
Market Share in Mortgage Loans	%	...	...	...	...	...	...	...	...	...	...	...	...					19.3	17.3	17.5	17.4	17.9	...	...
Market Share in Total Assets	%																	10.0	9.88	9.73	10.2	10.3	...	...
Market Share in Customer Deposits	%																	12.0	11.9	11.7	11.8	11.9	...	...

ratios	Unit	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
ratios
ROE	%	...																24.6	23.6	21.8	20.4	19.1
ROA	%	...																3.03	3.14	3.14	3.24	3.27
Costs (As % Of Assets)	%	...																3.12	3.51	3.78	3.68	3.53
Costs (As % Of Income)	%																	43.5	44.5	45.4	43.5	44.4
Capital Adequacy Ratio	%												...					16.0	17.2	19.0	22.2	23.1
Tier 1 Ratio	%				...	...	...	...					...				...	...	16.2	18.1	21.3	22.1
Net Interest Margin	%	...																5.63	6.10	6.25	6.31	5.86
Interest Spread	%	...																5.39	5.76	5.92	6.00	5.52
Asset Yield	%	...																7.30	8.34	8.21	7.93	7.54
Cost Of Liabilities	%	...																1.91	2.58	2.28	1.94	2.02
Payout Ratio	%																	20.8	22.1	8.21	23.9	27.0		...
Interest Income (As % Of Revenues)	%																	78.6	77.4	75.0	74.5	73.7
Fee Income (As % Of Revenues)	%																	18.8	17.6	17.5	17.5	18.3
Other Income (As % Of Revenues)	%																	2.63	4.98	7.57	7.98	8.06
Cost Per Employee	USD per month																	2,580	2,547	2,496	2,468	2,597
Cost Per Employee (Local Currency)	IDR per month																	26,880,800	31,272,200	32,671,400	33,599,700	35,034,400
Staff Cost (As % Of Total Cost)	%																	46.9	47.1	44.8	45.5	45.0
Equity (As % Of Assets)	%																	12.9	13.7	15.1	16.7	17.5
Loans (As % Of Deposits)	%																	76.5	77.8	81.5	77.8	80.9
Loans (As % Assets)	%																	63.4	63.3	65.4	61.4	63.1
NPLs (As % Of Loans)	%																	0.428	0.579	0.704	1.27	2.77
Provisions (As % Of NPLs)	%																	415	334	333	235	101
Provisions (As % Of Loans)	%																	1.81	1.97	2.40	3.08	2.89
Cost of Provisions (As % Of Loans)	%	...																0.652	0.580	0.931	1.19	0.493

other data	Unit	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
other data
Branches		...	...										...					955	970	987	991	994
Employees																		21,281	23,106	24,814	26,364	26,962
Sight (As % Of Customer Deposits)	%																	25.1	23.9	24.3	25.8	25.8
Risk-Weighted Assets	IDR bil	...	...	...	...	...	...	...					...					365,510	411,666	483,084	517,790	554,823
Return on Loans	%																	4.97	4.96	4.88	5.12	5.24
Operating Profit (As % of Loans)	%	...																6.62	6.91	7.07	7.56	7.11
Costs (As % Of Loans)	%	...																5.10	5.53	5.88	5.81	5.67
Equity (As % Of Loans)	%																	20.3	21.6	23.1	27.1	27.7

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Bank Central Asia

Bank Central Asia's net profit rose 4.11% yoy to IDR 7,647 bil in 4Q2019

Bank Central Asia's net profit rose 4.11% yoy to IDR 7,647 bil in 4Q2019

Bank Central Asia's price/earnings (P/E) rose 23.5% yoy to 26.9 in 4Q2019

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Bank Central Asia's price/earnings (P/E) rose 23.5% yoy to 26.9 in 4Q2019

Bank Central Asia's npls (as % of loans) rose 2.56% yoy to 2.95% in 4Q2019

Bank Central Asia's npls (as % of loans) rose 2.56% yoy to 2.95% in 4Q2019

Bank Central Asia's market capitalisation (end of period) rose 33.9% yoy to USD 59,514 mil in 4Q2019

Bank Central Asia's market capitalisation (end of period) rose 33.9% yoy to USD 59,514 mil in 4Q2019

Bank Central Asia's customer deposits rose 6.83% yoy to IDR 496,547 bil in 3Q2016

Bank Central Asia's employees fell 6.11% yoy to 25,877 in 4Q2019

Bank Central Asia's customer deposits rose 6.83% yoy to IDR 496,547 bil in 3Q2016

Bank Central Asia's employees fell 6.11% yoy to 25,877 in 4Q2019

Bank Central Asia's corporate loans rose 11.4% yoy to IDR 459,281 bil in 4Q2019

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