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Bank Rakyat

Bank Rakyat's net profit rose 7.85% yoy to IDR 9,574 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank Rakyat made a net profit of IDR 9,574 bil under revenues of IDR 29,167 bil in the fourth quarter of 2019, up 7.85% and 1...

Bank Rakyat's net profit rose 7.85% yoy to IDR 9,574 bil in 4Q2019

By Helgi Library - March 3, 2020

Bank Rakyat made a net profit of IDR 9,574 bil under revenues of IDR 29,167 bil in the fourth quarter of 2019, up 7.85% and 1...

Bank Rakyat's npls (as % of loans) fell 0.015% yoy to 6.93% in 4Q2019

By Helgi Library - March 4, 2020

Bank Rakyat's non-performing loans reached 6.93% of total loans at the end of 2019-12-31, down from 6.93% compared to the previou...

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Annual Quarterly LTM

Profit Statement		2017	2018	2019
Net Interest Income	IDR bil	73,018	77,666	81,707
Net Fee Income	IDR bil	10,442	12,019	...
Other Income	IDR bil	4,173	6,150	...
Total Revenues	IDR bil	87,634	95,835	104,105
Staff Cost	IDR bil	20,441	22,423	24,243
Operating Profit	IDR bil	48,760	53,316	57,936
Provisions	IDR bil	11,943	11,583	14,490
Net Profit	IDR bil	28,987	32,347	34,373

Balance Sheet		2017	2018	2019
Interbank Loans	IDR bil	79,300	109,092	149,675
Customer Loans	IDR bil	702,496	815,669	876,171
Total Assets	IDR bil	1,127,450	1,296,900	1,416,760
Shareholders' Equity	IDR bil	168,008	185,275	208,784
Interbank Borrowing	IDR bil	36,399	62,413	78,100
Customer Deposits	IDR bil	841,656	944,269	1,021,200
Issued Debt Securities	IDR bil	42,827	57,219	60,780

Ratios		2017	2018	2019
ROE	%	18.4	18.3	17.4
ROA	%	2.72	2.67	2.53
Costs (As % Of Assets)	%	3.65	3.51	3.40
Costs (As % Of Income)	%	44.4	44.4	44.3
Capital Adequacy Ratio	%	23.0	21.2	22.8
Net Interest Margin	%	6.85	6.41	6.02
Loans (As % Of Deposits)	%	83.5	86.4	85.8
NPLs (As % Of Loans)	%	6.89	6.93	6.93
Provisions (As % Of NPLs)	%	58.5	59.5	61.8

Valuation		2017	2018	2019
Price/Earnings (P/E)		15.4	13.8	15.7
Price/Book Value (P/BV)		2.65	2.41	2.58
Dividend Yield	%	2.93	3.61	...
Earnings Per Share (EPS)	IDR	237	265	281
Book Value Per Share	IDR	1,373	1,516	1,707
Dividend Per Share	IDR	107	132	...

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summary	Unit	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														44,106	51,442	58,280	65,418	73,018
Total Revenues	IDR bil														50,501	58,647	68,351	77,935	87,634
Operating Profit	IDR bil														28,133	31,931	37,086	43,170	48,760
Net Profit	IDR bil														21,263	24,204	25,382	26,190	28,987
balance sheet
Interbank Loans	IDR bil														60,182	111,619	59,416	90,723	79,300
Customer Loans	IDR bil														428,071	489,739	554,599	632,702	702,496
Debt Securities	IDR bil														47,187	88,474	128,696	135,384	190,340
Total Assets	IDR bil														626,183	801,984	878,426	1,003,640	1,127,450
Shareholders' Equity	IDR bil														79,327	97,706	113,127	146,813	168,008
Interbank Borrowing	IDR bil														14,653	45,667	34,043	29,078	36,399
Customer Deposits	IDR bil														504,281	622,322	668,995	754,526	841,656
Issued Debt Securities	IDR bil														6,243	11,768	34,558	41,272	42,827
ratios
ROE	%	...													29.5	27.3	24.1	20.2	18.4
ROA	%	...													3.61	3.39	3.02	2.78	2.72
Costs (As % Of Assets)	%	...													3.80	3.74	3.72	3.69	3.65
Costs (As % Of Income)	%														44.3	45.6	45.7	44.6	44.4
Capital Adequacy Ratio	%														17.0	18.3	20.6	22.9	23.0
Net Interest Margin	%	...													7.49	7.20	6.94	6.95	6.85
Interest Income (As % Of Revenues)	%														87.3	87.7	85.3	83.9	83.3
Fee Income (As % Of Revenues)	%														9.63	10.4	10.8	11.8	11.9		...
Staff Cost (As % Of Total Cost)	%														54.7	53.0	53.1	53.2	52.6
Equity (As % Of Assets)	%														12.7	12.2	12.9	14.6	14.9
Loans (As % Of Deposits)	%														84.9	78.7	82.9	83.9	83.5
Loans (As % Assets)	%														68.4	61.1	63.1	63.0	62.3
NPLs (As % Of Loans)	%														1.74	4.49	4.73	7.73	6.89
Provisions (As % Of NPLs)	%														196	70.0	63.5	44.1	58.5
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...											14,696	23,121	20,168	21,080	32,745
Number Of Shares (Average)	mil	...	...												123,346	123,346	123,239	122,238	122,387
Share Price (End Of Period)	IDR	...	...	...											1,450	2,330	2,285	2,335	3,640
Earnings Per Share (EPS)	IDR	...	...												172	196	206	214	237
Book Value Per Share	IDR	...	...												643	792	918	1,201	1,373
Dividend Per Share	IDR														51.5	59.0	62.3	85.7	107		...
Price/Earnings (P/E)		...	...	...											8.41	11.9	11.1	10.9	15.4
Price/Book Value (P/BV)		...	...	...											2.25	2.94	2.49	1.94	2.65
Dividend Yield	%	...	...	...											3.55	2.53	2.73	3.67	2.93		...
Earnings Per Share Growth	%	...	...	...											10.7	13.8	4.95	4.03	10.5
Book Value Per Share Growth	%	...													18.9	23.2	15.9	30.8	14.3

income statement	Unit	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														59,461	75,122	85,434	93,995	102,912
Interest Cost	IDR bil														15,355	23,680	27,154	28,577	29,894
Net Interest Income	IDR bil														44,106	51,442	58,280	65,418	73,018
Net Fee Income	IDR bil														4,862	6,072	7,356	9,223	10,442		...
Other Income	IDR bil														1,532	1,132	2,715	3,294	4,173		...
Total Revenues	IDR bil														50,501	58,647	68,351	77,935	87,634
Staff Cost	IDR bil														12,232	14,166	16,599	18,485	20,441
Depreciation	IDR bil	...	...	...	...	...	...	...	...	...					678	919	1,094	1,225	1,583
Other Cost	IDR bil	...	...	...	...	...	...	...	...	...					9,457	11,630	13,571	15,055	16,850
Operating Cost	IDR bil														22,368	26,715	31,265	34,765	38,874
Operating Profit	IDR bil														28,133	31,931	37,086	43,170	48,760
Provisions	IDR bil														1,999	3,620	6,558	9,203	11,943
Extra and Other Cost	IDR bil														-1,668	-2,478	-1,944	0.605	-193
Pre-Tax Profit	IDR bil														27,802	30,790	32,472	33,966	37,010
Tax	IDR bil														6,529	6,574	7,078	7,744	7,975
Minorities	IDR bil														10.2	11.7	13.0	32.2	47.9
Net Profit	IDR bil														21,263	24,204	25,382	26,190	28,987
Dividends	IDR bil														6,348	7,272	7,623	10,478	13,048		...
growth rates
Net Interest Income Growth	%	...													25.5	16.6	13.3	12.2	11.6
Net Fee Income Growth	%	...													-7.70	24.9	21.1	25.4	13.2		...
Total Revenue Growth	%	...													18.5	16.1	16.5	14.0	12.4
Operating Cost Growth	%	...													14.6	19.4	17.0	11.2	11.8
Operating Profit Growth	%	...													21.8	13.5	16.1	16.4	12.9
Pre-Tax Profit Growth	%	...													16.6	10.7	5.46	4.60	8.96
Net Profit Growth	%	...													13.9	13.8	4.86	3.18	10.7
market share
Market Share in Revenues	%	...	...	...	...	...									14.3	14.8	15.6	15.5	17.0	...	...
Market Share in Net Profit	%	...	...	...	...	...									19.0	21.2	25.6	27.7	22.5	...	...
Market Share in Branches	%														...	...	...	...	...	...	...

ratios	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
ratios
ROE	%	...													29.5	27.3	24.1	20.2	18.4
ROA	%	...													3.61	3.39	3.02	2.78	2.72
Costs (As % Of Assets)	%	...													3.80	3.74	3.72	3.69	3.65
Costs (As % Of Income)	%														44.3	45.6	45.7	44.6	44.4
Capital Adequacy Ratio	%														17.0	18.3	20.6	22.9	23.0
Tier 1 Ratio	%	...	...	...											17.1	17.5	16.8	21.9	22.0
Net Interest Margin	%	...													7.49	7.20	6.94	6.95	6.85
Interest Spread	%	...													7.13	6.73	6.47	6.47	6.37
Asset Yield	%	...													10.1	10.5	10.2	9.99	9.66
Cost Of Liabilities	%	...													2.97	3.79	3.70	3.52	3.29
Payout Ratio	%														29.9	30.0	30.0	40.0	45.0		...
Interest Income (As % Of Revenues)	%														87.3	87.7	85.3	83.9	83.3
Fee Income (As % Of Revenues)	%														9.63	10.4	10.8	11.8	11.9		...
Other Income (As % Of Revenues)	%														3.03	1.93	3.97	4.23	4.76		...
Cost Per Employee	USD per month														2,338	1,969	1,926	1,921	2,081		...
Cost Per Employee (Local Currency)	IDR per month														24,358,000	24,184,400	25,214,900	26,159,800	28,070,700		...
Staff Cost (As % Of Total Cost)	%														54.7	53.0	53.1	53.2	52.6
Equity (As % Of Assets)	%														12.7	12.2	12.9	14.6	14.9
Loans (As % Of Deposits)	%														84.9	78.7	82.9	83.9	83.5
Loans (As % Assets)	%														68.4	61.1	63.1	63.0	62.3
NPLs (As % Of Loans)	%														1.74	4.49	4.73	7.73	6.89
Provisions (As % Of NPLs)	%														196	70.0	63.5	44.1	58.5
Provisions (As % Of Loans)	%														3.54	3.24	3.09	3.53	4.20
Cost of Provisions (As % Of Loans)	%	...													0.519	0.789	1.26	1.55	1.79

other data	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
other data
Branches															9,360	10,414	10,631	10,662	10,665
Employees															41,848	48,814	54,859	58,885	60,683		...
Sight (As % Of Customer Deposits)	%														15.7	14.5	17.1	18.9	17.5
Risk-Weighted Assets	IDR bil	...	...	...											408,858	468,182	537,075	623,858	704,516
Return on Loans	%														5.52	5.27	4.86	4.41	4.34
Operating Profit (As % of Loans)	%	...													7.31	6.96	7.10	7.27	7.30
Costs (As % Of Loans)	%	...													5.81	5.82	5.99	5.86	5.82
Equity (As % Of Loans)	%														18.5	20.0	20.4	23.2	23.9

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Bank Rakyat

Bank Rakyat's net profit rose 7.85% yoy to IDR 9,574 bil in 4Q2019

Bank Rakyat's net profit rose 7.85% yoy to IDR 9,574 bil in 4Q2019

Bank Rakyat's npls (as % of loans) fell 0.015% yoy to 6.93% in 4Q2019

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Bank Rakyat's npls (as % of loans) fell 0.015% yoy to 6.93% in 4Q2019

Bank Rakyat's market capitalisation (end of period) rose 25.4% yoy to USD 38,888 mil in 4Q2019

Bank Rakyat's market capitalisation (end of period) rose 25.4% yoy to USD 38,888 mil in 4Q2019

Bank Rakyat's customer deposits rose 9.26% yoy to IDR 694,843 bil in 3Q2016

Bank Rakyat's customer deposits rose 9.26% yoy to IDR 694,843 bil in 3Q2016

Bank Rakyat's net interest margin fell 2.59% yoy to 6.21% in 4Q2019

Bank Rakyat's net interest margin fell 2.59% yoy to 6.21% in 4Q2019

Bank Rakyat's capital adequacy ratio rose 7.36% yoy to 22.8% in 4Q2019

Bank Rakyat's capital adequacy ratio rose 7.36% yoy to 22.8% in 4Q2019

Bank Rakyat's price/earnings (P/E) rose 11.8% yoy to 14.1 in 4Q2019

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