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Bank CIMB Niaga

Bank CIMB Niaga's net profit rose 8.44% yoy to IDR 966 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga made a net profit of IDR 966 bil under revenues of IDR 4,139 bil in the fourth quarter of 2019, up 8.44% and ...

Bank CIMB Niaga's capital adequacy ratio rose 8.96% yoy to 20.9% in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga's capital adequacy ratio reached 20.9% at the end of fourth quarter of 2019, up from when compared to the previo...

Bank CIMB Niaga's net profit rose 8.44% yoy to IDR 966 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga made a net profit of IDR 966 bil under revenues of IDR 4,139 bil in the fourth quarter of 2019, up 8.44% and ...

Profit Statement 2017 2018 2019
Net Interest Income IDR bil 12,403 12,012 12,568
Net Fee Income IDR bil 2,135 2,152 2,207
Other Income IDR bil 1,215 1,667 2,051
Total Revenues IDR bil 15,753 15,830 16,826
Staff Cost IDR bil 3,948 4,002 4,624
Operating Profit IDR bil 8,186 7,823 8,190
Provisions IDR bil 3,964 2,988 3,319
Net Profit IDR bil 2,978 3,484 3,644
Balance Sheet 2017 2018 2019
Interbank Loans IDR bil 16,889 12,915 14,790
Customer Loans IDR bil 177,819 182,365 188,178
Total Assets IDR bil 266,305 266,782 274,467
Shareholders' Equity IDR bil 36,951 39,581 43,294
Interbank Borrowing IDR bil 22,414 18,490 17,099
Customer Deposits IDR bil 189,317 190,750 195,600
Issued Debt Securities IDR bil 6,659 5,587 6,708
Ratios 2017 2018 2019
ROE % 8.37 9.10 8.79
ROA % 1.17 1.31 1.35
Costs (As % Of Assets) % 2.98 3.00 3.19
Costs (As % Of Income) % 48.0 50.6 51.3
Capital Adequacy Ratio % 18.2 19.2 20.9
Net Interest Margin % 4.88 4.51 4.64
Loans (As % Of Deposits) % 93.9 95.6 96.2
NPLs (As % Of Loans) % 5.23 4.17 3.71
Provisions (As % Of NPLs) % 75.6 77.6 84.2
Valuation 2017 2018 2019
Price/Earnings (P/E) 11.4 6.55 6.60
Price/Book Value (P/BV) 0.918 0.576 0.556
Dividend Yield % 1.77 3.03 ...
Earnings Per Share (EPS) IDR 119 140 146
Book Value Per Share IDR 1,471 1,588 1,737
Dividend Per Share IDR 23.9 27.7 ...

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summary Unit 1990 1991 1992 1993 1994 1995 1996 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                                               10,121 10,690 11,387 12,094 12,403    
Total Revenues IDR bil                                               12,741 13,257 13,720 15,159 15,753    
Operating Profit IDR bil                                               6,246 6,184 6,037 7,727 8,186    
Net Profit IDR bil                                               4,282 2,342 428 2,082 2,978    
balance sheet                                                            
Interbank Loans IDR bil                                               9,564 6,474 8,406 6,591 16,889    
Customer Loans IDR bil                                               153,158 170,526 170,117 172,035 177,819    
Debt Securities IDR bil                                               19,980 22,324 25,885 27,528 38,414    
Total Assets IDR bil                                               218,866 233,162 238,849 241,572 266,305    
Shareholders' Equity IDR bil                                               25,887 28,448 28,679 34,208 36,951    
Interbank Borrowing IDR bil                                               4,054 4,525 10,528 10,037 22,414    
Customer Deposits IDR bil                                               163,737 174,723 178,533 180,571 189,317    
Issued Debt Securities IDR bil                                               14,282 15,130 11,254 6,344 6,659    
ratios                                                            
ROE % ...                                             17.6 8.62 1.50 6.62 8.37    
ROA % ...                                             2.06 1.04 0.181 0.867 1.17    
Costs (As % Of Assets) % ...                                             3.12 3.13 3.26 3.09 2.98    
Costs (As % Of Income) %                                               51.0 53.4 56.0 49.0 48.0    
Capital Adequacy Ratio % ... ... ... ... ... ... ...                   ...             15.4 15.4 16.2 17.7 18.2    
Net Interest Margin % ...                                             4.86 4.73 4.82 5.03 4.88    
Interest Income (As % Of Revenues) %                                               79.4 80.6 83.0 79.8 78.7    
Fee Income (As % Of Revenues) %                                         ... ... ... ... 13.0 12.5 13.9 13.6    
Staff Cost (As % Of Total Cost) %                                               51.4 46.4 54.1 49.1 52.2    
Equity (As % Of Assets) %                                               11.8 12.2 12.0 14.2 13.9    
Loans (As % Of Deposits) %                                               93.5 97.6 95.3 95.3 93.9    
Loans (As % Assets) %                                               70.0 73.1 71.2 71.2 66.8    
NPLs (As % Of Loans) %       ... ... ... ... ... ...                             3.53 7.23 6.20 9.52 5.23    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...                             73.8 48.0 67.4 47.4 75.6    
valuation                                                            
Market Capitalisation (End Of Period) USD mil ...       ...                                     1,900 1,688 1,079 1,568 2,478    
Number Of Shares (Average) mil ...   ... ... ...     ... ... ... ... ... ... ...                   25,132 25,132 25,132 25,132 25,115    
Share Price (End Of Period) IDR ...                                             920 835 595 845 1,350    
Earnings Per Share (EPS) IDR ...   ... ... ...     ... ... ... ... ... ... ...                   170 86.1 16.9 82.8 119    
Book Value Per Share IDR ...   ... ... ...     ... ... ... ... ... ... ...                   1,030 1,132 1,141 1,361 1,471    
Dividend Per Share IDR ...   ...                                         0 0 0 0 23.9   ...
Price/Earnings (P/E) ...   ... ... ...     ... ... ... ... ... ... ...                   5.40 9.69 35.2 10.2 11.4    
Price/Book Value (P/BV) ...   ... ... ...     ... ... ... ... ... ... ...                   0.893 0.738 0.521 0.621 0.918    
Dividend Yield % ...   ...                                         0 0 0 0 1.77   ...
Earnings Per Share Growth % ... ... ... ... ... ...   ... ... ... ... ... ... ... ...                 1.16 -49.5 -80.4 390 43.1    
Book Value Per Share Growth % ...                                             14.3 9.89 0.814 19.3 8.09    
income statement Unit 1990 1991 1992 1993 1994 1995 1996 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                                               17,870 20,813 22,320 21,325 20,403    
Interest Cost IDR bil                                               7,750 10,123 10,932 9,231 8,000    
Net Interest Income IDR bil                                               10,121 10,690 11,387 12,094 12,403    
Net Fee Income IDR bil                                         ... ... ... ... 1,717 1,718 2,113 2,135    
Other Income IDR bil                                         ... ... ... ... 851 615 952 1,215    
Total Revenues IDR bil                                               12,741 13,257 13,720 15,159 15,753    
Staff Cost IDR bil                                               3,336 3,281 4,156 3,647 3,948    
Operating Cost IDR bil                                               6,495 7,073 7,683 7,433 7,567    
Operating Profit IDR bil                                               6,246 6,184 6,037 7,727 8,186    
Provisions IDR bil                                               1,203 3,460 5,345 4,572 3,964    
Extra and Other Cost IDR bil                                               -790 -476 122 304 67.0    
Pre-Tax Profit IDR bil                                               5,832 3,200 570 2,851 4,155    
Tax IDR bil                                               1,536 856 142 769 1,177    
Minorities IDR bil                                               13.7 1.41 0.054 0.030 0.063    
Net Profit IDR bil                                               4,282 2,342 428 2,082 2,978    
Dividends IDR bil                                               0 0 0 0 596   ...
growth rates                                                            
Net Interest Income Growth % ...                                             4.24 5.62 6.53 6.21 2.56    
Net Fee Income Growth % ...                                       ... ... ... ... ... 0.076 23.0 1.02    
Total Revenue Growth % ...                                             -1.54 4.05 3.49 10.5 3.92    
Operating Cost Growth % ...                                             7.24 8.90 8.62 -3.25 1.80    
Operating Profit Growth % ...                                             -9.27 -0.986 -2.37 28.0 5.95    
Pre-Tax Profit Growth % ...                                             0.779 -45.1 -82.2 400 45.8    
Net Profit Growth % ...                                             1.16 -45.3 -81.7 387 43.0    
market share                                                            
Market Share in Revenues % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 3.61 3.34 3.13 3.01 3.05 ... ...
Market Share in Net Profit % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 3.84 2.05 0.431 2.20 2.31 ... ...
Market Share in Branches % ... ... ... ... ... ... ... ... ... ...     ...                     ... ... ... ... ... ... ...
balance sheet Unit 1990 1991 1992 1993 1994 1995 1996 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                                               22,047 19,144 18,845 16,608 15,419    
Interbank Loans IDR bil                                               9,564 6,474 8,406 6,591 16,889    
Customer Loans IDR bil                                               153,158 170,526 170,117 172,035 177,819    
Retail Loans IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 41,486 42,987 44,565 46,378 45,625    
Corporate Loans IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             115,768 133,670 132,972 133,786 139,511    
Debt Securities IDR bil                                               19,980 22,324 25,885 27,528 38,414    
Fixed Assets IDR bil                                               2,068 2,485 3,362 5,269 5,120    
Intangible Assets IDR bil ... ... ... ... ... ... ...                   ...             0 0 0 1,482 1,540    
Goodwill IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             0 0 0 0 0    
Total Assets IDR bil                                               218,866 233,162 238,849 241,572 266,305    
Shareholders' Equity IDR bil                                               25,887 28,448 28,679 34,208 36,951    
Of Which Minority Interest IDR bil                                               94.7 0.734 0.788 0.818 0.881    
Liabilities IDR bil                                               192,980 204,715 210,170 207,364 229,354    
Interbank Borrowing IDR bil                                               4,054 4,525 10,528 10,037 22,414    
Customer Deposits IDR bil                                               163,737 174,723 178,533 180,571 189,317    
Sight Deposits IDR bil                                               36,793 39,224 40,444 44,598 49,281    
Term Deposits IDR bil                                               126,944 135,499 138,089 135,973 140,036    
Issued Debt Securities IDR bil                                               14,282 15,130 11,254 6,344 6,659    
Subordinated Debt IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 2,963 2,970 2,970 2,980 1,597    
Other Liabilities IDR bil                                               10,906 10,337 9,855 10,413 10,964    
asset quality                                                            
Non-Performing Loans IDR bil       ... ... ... ... ... ...                             5,547 12,764 11,007 17,144 9,681    
Gross Loans IDR bil                                               157,255 176,657 177,537 180,164 185,135    
Total Provisions IDR bil                                               4,096 6,131 7,420 8,129 7,317    
growth rates                                                            
Customer Loan Growth % ...                                             7.86 11.3 -0.240 1.13 3.36    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               11.6 3.62 3.67 4.07 -1.63    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           6.63 15.5 -0.523 0.612 4.28    
Total Asset Growth % ...                                             10.9 6.53 2.44 1.14 10.2    
Shareholders' Equity Growth % ...                                             14.3 9.89 0.814 19.3 8.02    
Customer Deposit Growth % ...                                             8.42 6.71 2.18 1.14 4.84    
market share                                                            
Market Share in Customer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   4.47 4.50 4.16 3.95 3.75 ... ...
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             7.33 7.60 6.69 6.36 6.18 ... ...
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4.44 2.60 2.50 2.11 1.94 ... ...
Market Share in Total Assets %                                               4.43 4.16 3.91 3.64 3.66 ... ...
Market Share in Customer Deposits %                                               4.80 4.61 4.38 3.99 3.85 ... ...
ratios Unit 1990 1991 1992 1993 1994 1995 1996 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 % ...                                             17.6 8.62 1.50 6.62 8.37    
ROA % ...                                             2.06 1.04 0.181 0.867 1.17    
Costs (As % Of Assets) % ...                                             3.12 3.13 3.26 3.09 2.98    
Costs (As % Of Income) %                                               51.0 53.4 56.0 49.0 48.0    
Capital Adequacy Ratio % ... ... ... ... ... ... ...                   ...             15.4 15.4 16.2 17.7 18.2    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...             15.5 15.5 16.3 16.3 17.0    
Net Interest Margin % ...                                             4.86 4.73 4.82 5.03 4.88    
Interest Spread % ...                                             4.37 4.12 4.19 4.46 4.37    
Asset Yield % ...                                             8.59 9.21 9.46 8.88 8.03    
Cost Of Liabilities % ...                                             4.21 5.09 5.27 4.42 3.66    
Payout Ratio %                                               0 0 0 0 20.0   ...
Interest Income (As % Of Revenues) %                                               79.4 80.6 83.0 79.8 78.7    
Fee Income (As % Of Revenues) %                                         ... ... ... ... 13.0 12.5 13.9 13.6    
Other Income (As % Of Revenues) %                                         ... ... ... ... 6.42 4.48 6.28 7.71    
Cost Per Employee USD per month ... ... ... ...       ... ...                             1,860 1,484 1,949 1,693 1,908    
Cost Per Employee (Local Currency) IDR per month ... ... ... ...       ... ...                             19,380,700 18,225,400 25,509,400 23,049,700 25,740,700    
Staff Cost (As % Of Total Cost) %                                               51.4 46.4 54.1 49.1 52.2    
Equity (As % Of Assets) %                                               11.8 12.2 12.0 14.2 13.9    
Loans (As % Of Deposits) %                                               93.5 97.6 95.3 95.3 93.9    
Loans (As % Assets) %                                               70.0 73.1 71.2 71.2 66.8    
NPLs (As % Of Loans) %       ... ... ... ... ... ...                             3.53 7.23 6.20 9.52 5.23    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...                             73.8 48.0 67.4 47.4 75.6    
Provisions (As % Of Loans) %                                               2.67 3.60 4.36 4.73 4.11    
Cost of Provisions (As % Of Loans) % ...                                             0.815 2.14 3.14 2.67 2.27    
other data Unit 1990 1991 1992 1993 1994 1995 1996 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 ... ... ... ... ... ... ... ... ...       ...                     1,506 1,470 1,422 1,138 982    
Employees ... ... ... ...       ... ...                             14,342 15,003 13,577 13,185 12,782    
Sight (As % Of Customer Deposits) %                                               22.5 22.4 22.7 24.7 26.0    
Risk-Weighted Assets IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   174,779 192,487 187,520 191,626 201,617    
Return on Loans %                                               2.90 1.45 0.251 1.22 1.70    
Operating Profit (As % of Loans) % ...                                             4.23 3.82 3.54 4.52 4.68    
Costs (As % Of Loans) % ...                                             4.40 4.37 4.51 4.34 4.33    
Equity (As % Of Loans) %                                               16.9 16.7 16.9 19.9 20.8    

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Bank CIMB Niaga's capital adequacy ratio rose 8.96% yoy to 20.9% in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga's capital adequacy ratio reached 20.9% at the end of fourth quarter of 2019, up from when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 20.9% in 4Q2019 and an all time low of 10.3% in 2Q2005. ...

Bank CIMB Niaga's npls (as % of loans) fell 11.1% yoy to 3.71% in 4Q2019

By Helgi Library - March 4, 2020

Bank CIMB Niaga's non-performing loans reached 3.71% of total loans at the end of 2019-12-31, down from 4.17% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.52% in 2016-12-31 and an all time low of 2.76% in 2013-06-30. ...

Bank CIMB Niaga's npls (as % of loans) fell 11.1% yoy to 3.71% in 4Q2019

By Helgi Library - March 4, 2020

Bank CIMB Niaga's non-performing loans reached 3.71% of total loans at the end of 2019-12-31, down from 4.17% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.52% in 2016-12-31 and an all time low of 2.76% in 2013-06-30. ...

Bank CIMB Niaga's employees fell 9.11% yoy to 11,326 in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga employed 11,326 persons in 2019-12-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 15,708 persons in 2015-06-30 and an all time low of 3,468 in 2003-12-31. Average cost reached USD 2,194 pe...

Bank CIMB Niaga's price/earnings (P/E) fell 2.88% yoy to 6.22 in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga stock traded at IDR 965 per share at the end fourth quarter of 2019 implying a market capitalization of USD 1,737 mil. Since the end of 4Q2014, the stock has appreciated by 15.6 % implying an annual average growth of 2.94 %. In absolute terms, the valu...

Bank CIMB Niaga's net interest margin rose 1.33% yoy to 4.61% in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga's net interest margin amounted to 4.61% in the fourth quarter of 2019, down from 4.72% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 12.8% in 4Q2007 and an all time low of ...

Bank CIMB Niaga's customer deposits fell 3.80% yoy to IDR 178,668 bil in 3Q2016

By Helgi Library - March 3, 2020

Bank CIMB Niaga's customer deposits reached IDR 178,668 bil in 2016-09-30, down 0.349% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,301,214 bil in 2016-09-30, up 0.514% when compared to the last year. Bank C...

Bank CIMB Niaga's price/earnings (P/E) fell 2.88% yoy to 6.22 in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga stock traded at IDR 965 per share at the end fourth quarter of 2019 implying a market capitalization of USD 1,737 mil. Since the end of 4Q2014, the stock has appreciated by 15.6 % implying an annual average growth of 2.94 %. In absolute terms, the valu...

Bank CIMB Niaga's employees fell 9.11% yoy to 11,326 in 4Q2019

By Helgi Library - March 3, 2020

Bank CIMB Niaga employed 11,326 persons in 2019-12-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 15,708 persons in 2015-06-30 and an all time low of 3,468 in 2003-12-31. Average cost reached USD 2,194 pe...

Bank CIMB Niaga's customer deposits fell 3.80% yoy to IDR 178,668 bil in 3Q2016

By Helgi Library - March 3, 2020

Bank CIMB Niaga's customer deposits reached IDR 178,668 bil in 2016-09-30, down 0.349% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,301,214 bil in 2016-09-30, up 0.514% when compared to the last year. Bank C...

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