By Helgi Library - September 26, 2019
BCA Finance's non-performing loans reached 1.44% of total loans at the end of 2018, up from 0.820% compared to the previous year....
By Helgi Library - September 26, 2019
BCA Finance's non-performing loans reached 1.44% of total loans at the end of 2018, up from 0.820% compared to the previous year....
By Helgi Library - September 26, 2019
BCA Finance's net interest margin amounted to 31.7% in 2018, up from 28.3% compared to the previous year. Historically, th...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | IDR bil | 1,879 | 2,344 | 2,629 |
| Net Fee Income | IDR bil | 394 | 487 | 576 |
| Other Income | IDR bil | 35.7 | 32.5 | 35.5 |
| Total Revenues | IDR bil | 2,309 | 2,863 | 3,241 |
| Staff Cost | IDR bil | 361 | 423 | 468 |
| Operating Profit | IDR bil | 1,514 | 1,963 | 2,214 |
| Provisions | IDR bil | 36.1 | 60.0 | 117 |
| Net Profit | IDR bil | 1,139 | 1,453 | 1,600 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | IDR bil | ... | 0 | 0 |
| Customer Loans | IDR bil | 6,785 | 7,159 | 6,747 |
| Total Assets | IDR bil | 8,152 | 8,439 | 8,127 |
| Shareholders' Equity | IDR bil | 2,902 | 3,893 | 4,936 |
| Interbank Borrowing | IDR bil | 1,676 | 2,508 | 1,783 |
| Customer Deposits | IDR bil | 0 | 0 | 0 |
| Issued Debt Securities | IDR bil | 2,404 | 671 | 250 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 44.7 | 42.8 | 36.2 |
| ROA | % | 15.2 | 17.5 | 19.3 |
| Costs (As % Of Assets) | % | 10.6 | 10.8 | 12.4 |
| Costs (As % Of Income) | % | 34.4 | 31.4 | 31.7 |
| Net Interest Margin | % | 25.1 | 28.3 | 31.7 |
| NPLs (As % Of Loans) | % | 0.840 | 0.820 | 1.44 |
| Provisions (As % Of NPLs) | % | 143 | 151 | 147 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | 13.0 | 24.0 | 13.2 |
| Operating Cost Growth | % | 24.6 | 13.1 | 14.2 |
| Operating Profit Growth | % | 7.74 | 29.7 | 12.8 |
| Net Profit Growth | % | 8.73 | 27.6 | 10.1 |
| Customer Loan Growth | % | 18.9 | 5.52 | -5.75 |
| Total Asset Growth | % | 19.5 | 3.52 | -3.70 |
| Shareholders' Equity Growth | % | 32.5 | 34.1 | 26.8 |
| Employees | 2,781 | 2,828 | 2,789 | |
Get all company financials in excel:
| summary | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||
| Net Interest Income | IDR bil | ... | 1,206 | 1,448 | 1,596 | 1,706 | 1,879 | ||
| Total Revenues | IDR bil | ... | 1,387 | 1,670 | 1,868 | 2,043 | 2,309 | ||
| Operating Profit | IDR bil | ... | 1,012 | 1,239 | 1,347 | 1,405 | 1,514 | ||
| Net Profit | IDR bil | ... | 730 | 935 | 1,001 | 1,047 | 1,139 | ||
| balance sheet | |||||||||
| Interbank Loans | IDR bil | ... | ... | ... | ... | ... | ... | ||
| Customer Loans | IDR bil | ... | 4,610 | 5,426 | 5,274 | 5,707 | 6,785 | ||
| Total Assets | IDR bil | ... | 4,843 | 5,798 | 6,128 | 6,824 | 8,152 | ||
| Shareholders' Equity | IDR bil | ... | 1,229 | 1,090 | 1,536 | 2,190 | 2,902 | ||
| Interbank Borrowing | IDR bil | ... | 166 | 699 | 1,294 | 894 | 1,676 | ||
| Customer Deposits | IDR bil | ... | 0 | 0 | 0 | 0 | 0 | ||
| Issued Debt Securities | IDR bil | ... | 2,525 | 3,138 | 2,509 | 2,839 | 2,404 | ||
| ratios | |||||||||
| ROE | % | ... | 59.3 | 80.7 | 76.2 | 56.2 | 44.7 | ||
| ROA | % | ... | 15.1 | 17.6 | 16.8 | 16.2 | 15.2 | ||
| Costs (As % Of Assets) | % | ... | 7.75 | 8.11 | 8.73 | 9.86 | 10.6 | ||
| Costs (As % Of Income) | % | ... | 27.1 | 25.8 | 27.9 | 31.2 | 34.4 | ||
| Net Interest Margin | % | ... | 24.9 | 27.2 | 26.8 | 26.3 | 25.1 | ||
| Interest Income (As % Of Revenues) | % | ... | 86.9 | 86.7 | 85.4 | 83.5 | 81.4 | ||
| Fee Income (As % Of Revenues) | % | ... | 12.7 | 13.1 | 14.3 | 16.3 | 17.1 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 49.3 | 48.6 | 49.3 | 45.4 | ||
| Equity (As % Of Assets) | % | ... | 25.4 | 18.8 | 25.1 | 32.1 | 35.6 | ||
| Loans (As % Assets) | % | ... | 95.2 | 93.6 | 86.1 | 83.6 | 83.2 | ||
| NPLs (As % Of Loans) | % | ... | 0.600 | 0.680 | 0.960 | 0.990 | 0.840 | ||
| Provisions (As % Of NPLs) | % | ... | 282 | 225 | 166 | 153 | 143 | ||
| valuation | |||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | 20.0 | 20.0 | 20.0 | ||
| Earnings Per Share (EPS) | IDR | ... | ... | ... | 50,037 | 52,361 | 56,935 | ||
| Book Value Per Share | IDR | ... | ... | ... | 76,801 | 109,484 | 145,102 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | 4.64 | 8.73 | ||
| Book Value Per Share Growth | % | ... | ... | 20.1 | 10.2 | 42.6 | 32.5 |
| income statement | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||
| Interest Income | IDR bil | ... | 1,420 | 1,686 | 1,896 | 2,010 | 2,175 | ||
| Interest Cost | IDR bil | ... | 214 | 238 | 300 | 304 | 296 | ||
| Net Interest Income | IDR bil | ... | 1,206 | 1,448 | 1,596 | 1,706 | 1,879 | ||
| Net Fee Income | IDR bil | ... | 177 | 219 | 268 | 332 | 394 | ||
| Other Income | IDR bil | ... | 4.65 | 2.73 | 4.55 | 5.68 | 35.7 | ||
| Total Revenues | IDR bil | ... | 1,387 | 1,670 | 1,868 | 2,043 | 2,309 | ||
| Staff Cost | IDR bil | ... | ... | 213 | 253 | 315 | 361 | ||
| Depreciation | IDR bil | ... | ... | 12.7 | 11.2 | 10.9 | 14.0 | ||
| Other Cost | IDR bil | ... | ... | 206 | 256 | 312 | 420 | ||
| Operating Cost | IDR bil | ... | 375 | 431 | 520 | 638 | 796 | ||
| Operating Profit | IDR bil | ... | 1,012 | 1,239 | 1,347 | 1,405 | 1,514 | ||
| Provisions | IDR bil | ... | 46.4 | 20.4 | 28.3 | 38.0 | 36.1 | ||
| Extra and Other Cost | IDR bil | ... | -7.75 | -24.8 | -10.3 | -31.8 | -34.6 | ||
| Pre-Tax Profit | IDR bil | ... | 973 | 1,243 | 1,329 | 1,399 | 1,512 | ||
| Tax | IDR bil | ... | 243 | 308 | 329 | 352 | 374 | ||
| Net Profit | IDR bil | ... | 730 | 935 | 1,001 | 1,047 | 1,139 | ||
| growth rates | |||||||||
| Net Interest Income Growth | % | ... | ... | 20.1 | 10.2 | 6.90 | 10.2 | ||
| Net Fee Income Growth | % | ... | ... | 24.3 | 22.0 | 24.1 | 18.7 | ||
| Total Revenue Growth | % | ... | ... | 20.4 | 11.8 | 9.40 | 13.0 | ||
| Operating Cost Growth | % | ... | ... | 15.0 | 20.6 | 22.7 | 24.6 | ||
| Operating Profit Growth | % | ... | ... | 22.5 | 8.78 | 4.27 | 7.74 | ||
| Pre-Tax Profit Growth | % | ... | ... | 27.8 | 6.94 | 5.22 | 8.11 | ||
| Net Profit Growth | % | ... | ... | 28.2 | 7.00 | 4.64 | 8.73 |
| balance sheet | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||
| Cash | IDR bil | ... | 3.56 | 2.87 | 4.60 | 3.21 | 4.59 | ||
| Interbank Loans | IDR bil | ... | ... | ... | ... | ... | ... | ||
| Customer Loans | IDR bil | ... | 4,610 | 5,426 | 5,274 | 5,707 | 6,785 | ||
| Retail Loans | IDR bil | ... | 4,610 | 5,426 | 5,274 | 5,707 | 6,785 | ||
| Mortgage Loans | IDR bil | ... | 0 | 0 | 0 | 0 | 0 | ||
| Consumer Loans | IDR bil | ... | 4,610 | 5,426 | 5,274 | 5,707 | 6,785 | ||
| Corporate Loans | IDR bil | ... | 0 | 0 | 0 | 0 | 0 | ||
| Fixed Assets | IDR bil | ... | 28.0 | 29.5 | 109 | 180 | 198 | ||
| Total Assets | IDR bil | ... | 4,843 | 5,798 | 6,128 | 6,824 | 8,152 | ||
| Shareholders' Equity | IDR bil | ... | 1,229 | 1,090 | 1,536 | 2,190 | 2,902 | ||
| Liabilities | IDR bil | ... | 3,613 | 4,708 | 4,592 | 4,634 | 5,250 | ||
| Interbank Borrowing | IDR bil | ... | 166 | 699 | 1,294 | 894 | 1,676 | ||
| Customer Deposits | IDR bil | ... | 0 | 0 | 0 | 0 | 0 | ||
| Issued Debt Securities | IDR bil | ... | 2,525 | 3,138 | 2,509 | 2,839 | 2,404 | ||
| Other Liabilities | IDR bil | ... | 923 | 872 | 789 | 901 | 1,170 | ||
| asset quality | |||||||||
| Non-Performing Loans | IDR bil | ... | 28.1 | 37.5 | 51.5 | 57.4 | 57.7 | ||
| Gross Loans | IDR bil | ... | 4,689 | 5,510 | 5,360 | 5,795 | 6,867 | ||
| Total Provisions | IDR bil | ... | 79.5 | 84.3 | 85.6 | 87.6 | 82.3 | ||
| growth rates | |||||||||
| Customer Loan Growth | % | ... | ... | 17.7 | -2.80 | 8.21 | 18.9 | ||
| Retail Loan Growth | % | ... | ... | 17.7 | -2.80 | 8.21 | 18.9 | ||
| Consumer Loan Growth | % | ... | ... | 17.7 | -2.80 | 8.21 | 18.9 | ||
| Total Asset Growth | % | ... | ... | 19.7 | 5.70 | 11.4 | 19.5 | ||
| Shareholders' Equity Growth | % | ... | ... | -11.4 | 41.0 | 42.6 | 32.5 |
| ratios | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||
| ROE | % | ... | 59.3 | 80.7 | 76.2 | 56.2 | 44.7 | ||
| ROA | % | ... | 15.1 | 17.6 | 16.8 | 16.2 | 15.2 | ||
| Costs (As % Of Assets) | % | ... | 7.75 | 8.11 | 8.73 | 9.86 | 10.6 | ||
| Costs (As % Of Income) | % | ... | 27.1 | 25.8 | 27.9 | 31.2 | 34.4 | ||
| Net Interest Margin | % | ... | 24.9 | 27.2 | 26.8 | 26.3 | 25.1 | ||
| Interest Spread | % | ... | ... | 26.0 | 25.3 | 24.4 | 23.1 | ||
| Asset Yield | % | ... | 29.3 | 31.7 | 31.8 | 31.0 | 29.0 | ||
| Cost Of Liabilities | % | ... | ... | 5.72 | 6.45 | 6.59 | 5.98 | ||
| Interest Income (As % Of Revenues) | % | ... | 86.9 | 86.7 | 85.4 | 83.5 | 81.4 | ||
| Fee Income (As % Of Revenues) | % | ... | 12.7 | 13.1 | 14.3 | 16.3 | 17.1 | ||
| Other Income (As % Of Revenues) | % | ... | 0.335 | 0.163 | 0.244 | 0.278 | 1.55 | ||
| Cost Per Employee | USD per month | ... | ... | 705 | 734 | 844 | 795 | ||
| Cost Per Employee (Local Currency) | IDR per month | ... | ... | 7,341,450 | 9,015,750 | 11,048,200 | 10,826,500 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 49.3 | 48.6 | 49.3 | 45.4 | ||
| Equity (As % Of Assets) | % | ... | 25.4 | 18.8 | 25.1 | 32.1 | 35.6 | ||
| Loans (As % Assets) | % | ... | 95.2 | 93.6 | 86.1 | 83.6 | 83.2 | ||
| NPLs (As % Of Loans) | % | ... | 0.600 | 0.680 | 0.960 | 0.990 | 0.840 | ||
| Provisions (As % Of NPLs) | % | ... | 282 | 225 | 166 | 153 | 143 | ||
| Provisions (As % Of Loans) | % | ... | 1.72 | 1.55 | 1.62 | 1.53 | 1.21 | ||
| Cost of Provisions (As % Of Loans) | % | ... | 1.01 | 0.406 | 0.530 | 0.691 | 0.577 |
Get all company financials in excel:
By Helgi Library - September 26, 2019
BCA Finance's net interest margin amounted to 31.7% in 2018, up from 28.3% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 31.7% in 2018 and an all time low of 25.1% in 2016. The average margin in ...
By Helgi Library - September 26, 2019
BCA Finance's cost to income ratio reached 31.7% in 2018, up from 31.4% compared to the previous year. Historically, the bank’s costs reached an all time high of 34.4% of income in 2016 and an all time low of 25.8% in 2013. When compared to total assets, b...
By Helgi Library - September 26, 2019
BCA Finance's cost to income ratio reached 31.7% in 2018, up from 31.4% compared to the previous year. Historically, the bank’s costs reached an all time high of 34.4% of income in 2016 and an all time low of 25.8% in 2013. When compared to total assets, b...
By Helgi Library - September 26, 2019
BCA Finance generated total banking revenues of IDR 3,241 bil in 2018, up 13.2% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of IDR 3,241 bil in 2018 and an a...
By Helgi Library - September 26, 2019
BCA Finance generated total banking revenues of IDR 3,241 bil in 2018, up 13.2% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of IDR 3,241 bil in 2018 and an a...
By Helgi Library - September 26, 2019
BCA Finance employed 2,789 persons in 2018, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,828 persons in 2017 and an all time low of 2,338 in 2014. Average cost reached USD 1,032 per month per employee...
By Helgi Library - September 26, 2019
BCA Finance employed 2,789 persons in 2018, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,828 persons in 2017 and an all time low of 2,338 in 2014. Average cost reached USD 1,032 per month per employee...
BCA Finance has been growing its revenues and asset by 16.6% and 6.00% a year on average in the last 3 years. Its loans and deposits have grown by 5.74% 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 41.3% in the last three years with net profit growing 15.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 31.7% in 2018, compared to 32.5% average in the last three years.
Equity represented 60.7% of total assets or 73.2% of loans at the end of 2018. BCA Finance's non-performing loans were 1.44% of total loans while provisions covered some 147% of NPLs at the end of 2018.
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