By Helgi Library - March 4, 2020
Federal International Finance's net interest margin amounted to 21.6% in the second quarter of 2019, up from 20.9% when compared...
By Helgi Library - March 4, 2020
Federal International Finance's net interest margin amounted to 21.6% in the second quarter of 2019, up from 20.9% when compared...
By Helgi Library - March 4, 2020
Federal International Finance generated total banking revenues of IDR 1,959 bil in the second quarter of 2019, up 5.32% when comp...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | IDR bil | 6,060 | 6,483 | 7,421 |
| Net Fee Income | IDR bil | -86.5 | -117 | -143 |
| Other Income | IDR bil | 226 | 202 | 224 |
| Total Revenues | IDR bil | 6,200 | 6,568 | 7,502 |
| Staff Cost | IDR bil | 1,286 | 1,341 | 1,431 |
| Operating Profit | IDR bil | 3,626 | 4,108 | 4,725 |
| Provisions | IDR bil | 797 | 1,233 | 1,406 |
| Net Profit | IDR bil | 1,806 | 1,991 | 2,315 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Customer Loans | IDR bil | 28,001 | 29,272 | 32,090 |
| Total Assets | IDR bil | 29,411 | 30,753 | 33,796 |
| Shareholders' Equity | IDR bil | 4,955 | 5,332 | 6,007 |
| Interbank Borrowing | IDR bil | 347 | 8,438 | 7,391 |
| Customer Deposits | IDR bil | 0 | 0 | ... |
| Issued Debt Securities | IDR bil | 22,804 | 15,403 | 18,556 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 33.8 | 38.7 | 40.8 |
| ROA | % | 6.21 | 6.62 | 7.17 |
| Costs (As % Of Assets) | % | 8.85 | 8.18 | 8.60 |
| Costs (As % Of Income) | % | 41.5 | 37.5 | 37.0 |
| Net Interest Margin | % | 20.8 | 21.6 | 23.0 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | 13.4 | 5.94 | 14.2 |
| Operating Cost Growth | % | -2.32 | -4.41 | 12.8 |
| Operating Profit Growth | % | 28.0 | 13.3 | 15.0 |
| Net Profit Growth | % | 19.8 | 10.2 | 16.3 |
| Customer Loan Growth | % | 7.85 | 4.54 | 9.63 |
| Total Asset Growth | % | 2.35 | 4.56 | 9.90 |
| Shareholders' Equity Growth | % | -13.4 | 7.61 | 12.6 |
| Employees | 18,675 | 17,452 | 17,162 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||
| Net Interest Income | IDR bil | 4,223 | 3,909 | 4,659 | 5,338 | 6,060 | ||||||
| Total Revenues | IDR bil | 4,625 | 4,275 | 4,772 | 5,467 | 6,200 | ||||||
| Operating Profit | IDR bil | 2,101 | 2,177 | 2,517 | 2,832 | 3,626 | ||||||
| Net Profit | IDR bil | 1,142 | 1,205 | 1,307 | 1,507 | 1,806 | ||||||
| balance sheet | ||||||||||||
| Customer Loans | IDR bil | 17,415 | 18,894 | 23,267 | 25,962 | 28,001 | ||||||
| Debt Securities | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Total Assets | IDR bil | 19,456 | 21,522 | 25,378 | 28,734 | 29,411 | ||||||
| Shareholders' Equity | IDR bil | 3,906 | 4,342 | 4,586 | 5,723 | 4,955 | ||||||
| Interbank Borrowing | IDR bil | ... | ... | ... | ... | ... | 0 | 9,494 | 12,998 | 347 | ||
| Customer Deposits | IDR bil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | ... | |
| Issued Debt Securities | IDR bil | 13,450 | 14,820 | 9,996 | 8,779 | 22,804 | ||||||
| ratios | ||||||||||||
| ROE | % | ... | 31.0 | 29.2 | 29.3 | 29.2 | 33.8 | |||||
| ROA | % | ... | 6.20 | 5.88 | 5.57 | 5.57 | 6.21 | |||||
| Costs (As % Of Assets) | % | ... | 13.7 | 10.2 | 9.62 | 9.74 | 8.85 | |||||
| Costs (As % Of Income) | % | 54.6 | 49.1 | 47.3 | 48.2 | 41.5 | ||||||
| Net Interest Margin | % | ... | 22.9 | 19.1 | 19.9 | 19.7 | 20.8 | |||||
| Interest Income (As % Of Revenues) | % | 91.3 | 91.4 | 97.6 | 97.6 | 97.7 | ||||||
| Fee Income (As % Of Revenues) | % | 0 | 0 | -0.770 | -1.43 | -1.40 | ||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 53.3 | 45.5 | 42.6 | 50.0 | ||
| Equity (As % Of Assets) | % | 20.1 | 20.2 | 18.1 | 19.9 | 16.8 | ||||||
| Loans (As % Assets) | % | 89.5 | 87.8 | 91.7 | 90.4 | 95.2 | ||||||
| valuation | ||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | 280 | 280 | 280 | 280 | ||
| Earnings Per Share (EPS) | IDR | ... | ... | ... | ... | ... | 4,304 | 4,668 | 5,381 | 6,449 | ||
| Book Value Per Share | IDR | ... | ... | ... | ... | ... | 15,506 | 16,379 | 20,439 | 17,698 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | 8.45 | 15.3 | 19.9 | ||
| Book Value Per Share Growth | % | ... | -6.92 | -7.44 | 5.63 | 24.8 | -13.4 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||
| Interest Income | IDR bil | 4,865 | 5,193 | 6,063 | 7,197 | 8,045 | ||||||
| Interest Cost | IDR bil | 0 | 1,284 | 1,405 | 1,860 | 1,984 | ||||||
| Net Interest Income | IDR bil | 4,223 | 3,909 | 4,659 | 5,338 | 6,060 | ||||||
| Net Fee Income | IDR bil | 0 | 0 | -36.8 | -78.0 | -86.5 | ||||||
| Other Income | IDR bil | 402 | 366 | 150 | 207 | 226 | ||||||
| Total Revenues | IDR bil | 4,625 | 4,275 | 4,772 | 5,467 | 6,200 | ||||||
| Staff Cost | IDR bil | ... | ... | ... | ... | ... | 1,118 | 1,027 | 1,122 | 1,286 | ||
| Depreciation | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | 123 | ||
| Other Cost | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | 1,166 | ||
| Operating Cost | IDR bil | 2,524 | 2,098 | 2,255 | 2,635 | 2,574 | ||||||
| Operating Profit | IDR bil | 2,101 | 2,177 | 2,517 | 2,832 | 3,626 | ||||||
| Provisions | IDR bil | 588 | 565 | 619 | 587 | 797 | ||||||
| Extra and Other Cost | IDR bil | 0 | 0 | 158 | 201 | 218 | ||||||
| Pre-Tax Profit | IDR bil | 1,513 | 1,612 | 1,739 | 2,043 | 2,611 | ||||||
| Tax | IDR bil | 371 | 407 | 432 | 537 | 805 | ||||||
| Minorities | IDR bil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | ||
| Net Profit | IDR bil | 1,142 | 1,205 | 1,307 | 1,507 | 1,806 | ||||||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | -6.92 | -7.44 | 19.2 | 14.6 | 13.5 | |||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | 112 | 11.0 | ||
| Total Revenue Growth | % | ... | -7.04 | -7.57 | 11.6 | 14.6 | 13.4 | |||||
| Operating Cost Growth | % | ... | -14.4 | -16.9 | 7.51 | 16.8 | -2.32 | |||||
| Operating Profit Growth | % | ... | 3.74 | 3.60 | 15.6 | 12.5 | 28.0 | |||||
| Pre-Tax Profit Growth | % | ... | 6.97 | 6.51 | 7.88 | 17.5 | 27.8 | |||||
| Net Profit Growth | % | ... | 5.86 | 5.54 | 8.46 | 15.3 | 19.8 | |||||
| market share | ||||||||||||
| Market Share in Revenues | % | 1.45 | 1.21 | 1.20 | 1.25 | 1.23 | ... | |||||
| Market Share in Net Profit | % | 1.15 | 1.08 | 1.14 | 1.52 | 1.91 | ... |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||
| Cash | IDR bil | 687 | 575 | 437 | 131 | 241 | ||||||
| Customer Loans | IDR bil | 17,415 | 18,894 | 23,267 | 25,962 | 28,001 | ||||||
| Retail Loans | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | 29,308 | ||
| Debt Securities | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Fixed Assets | IDR bil | 230 | 247 | 284 | 285 | 310 | ||||||
| Intangible Assets | IDR bil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | ||
| Goodwill | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Total Assets | IDR bil | 19,456 | 21,522 | 25,378 | 28,734 | 29,411 | ||||||
| Shareholders' Equity | IDR bil | 3,906 | 4,342 | 4,586 | 5,723 | 4,955 | ||||||
| Of Which Minority Interest | IDR bil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | ||
| Liabilities | IDR bil | 15,550 | 17,180 | 20,792 | 23,011 | 24,456 | ||||||
| Interbank Borrowing | IDR bil | ... | ... | ... | ... | ... | 0 | 9,494 | 12,998 | 347 | ||
| Customer Deposits | IDR bil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | ... | |
| Issued Debt Securities | IDR bil | 13,450 | 14,820 | 9,996 | 8,779 | 22,804 | ||||||
| Other Liabilities | IDR bil | ... | ... | ... | ... | ... | 2,360 | 1,301 | 1,234 | 1,304 | ... | |
| asset quality | ||||||||||||
| Gross Loans | IDR bil | ... | 18,894 | 24,758 | 27,499 | 29,308 | ||||||
| Total Provisions | IDR bil | ... | ... | ... | ... | ... | 0 | 1,491 | 1,537 | 1,308 | ||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | 9.28 | 8.49 | 23.1 | 11.6 | 7.85 | |||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | 11.9 | 10.6 | 17.9 | 13.2 | 2.35 | |||||
| Shareholders' Equity Growth | % | ... | 12.5 | 11.1 | 5.63 | 24.8 | -13.4 | |||||
| market share | ||||||||||||
| Market Share in Customer Loans | % | 0.617 | 0.551 | 0.614 | 0.635 | 0.643 | ... | |||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 1.33 | ... | |
| Market Share in Total Assets | % | 0.457 | 0.436 | 0.453 | 0.470 | 0.443 | ... | |||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | ... |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||
| ROE | % | ... | 31.0 | 29.2 | 29.3 | 29.2 | 33.8 | |||||
| ROA | % | ... | 6.20 | 5.88 | 5.57 | 5.57 | 6.21 | |||||
| Costs (As % Of Assets) | % | ... | 13.7 | 10.2 | 9.62 | 9.74 | 8.85 | |||||
| Costs (As % Of Income) | % | 54.6 | 49.1 | 47.3 | 48.2 | 41.5 | ||||||
| Net Interest Margin | % | ... | 22.9 | 19.1 | 19.9 | 19.7 | 20.8 | |||||
| Interest Spread | % | ... | 26.4 | 17.5 | 18.5 | 18.1 | 19.3 | |||||
| Asset Yield | % | ... | 26.4 | 25.3 | 25.9 | 26.6 | 27.7 | |||||
| Cost Of Liabilities | % | ... | 0 | 7.84 | 7.40 | 8.49 | 8.36 | |||||
| Interest Income (As % Of Revenues) | % | 91.3 | 91.4 | 97.6 | 97.6 | 97.7 | ||||||
| Fee Income (As % Of Revenues) | % | 0 | 0 | -0.770 | -1.43 | -1.40 | ||||||
| Other Income (As % Of Revenues) | % | 8.69 | 8.56 | 3.14 | 3.79 | 3.65 | ||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 580 | 443 | 426 | 421 | ||
| Cost Per Employee (Local Currency) | IDR per month | ... | ... | ... | ... | ... | 6,039,580 | 5,434,000 | 5,570,600 | 5,738,390 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 53.3 | 45.5 | 42.6 | 50.0 | ||
| Equity (As % Of Assets) | % | 20.1 | 20.2 | 18.1 | 19.9 | 16.8 | ||||||
| Loans (As % Assets) | % | 89.5 | 87.8 | 91.7 | 90.4 | 95.2 | ||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 0 | 6.41 | 5.92 | 4.67 | ||
| Cost of Provisions (As % Of Loans) | % | ... | 3.53 | 3.11 | 2.94 | 2.38 | 2.95 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||
| Employees | 12,603 | 15,429 | 15,754 | 16,788 | 18,675 | |||||||
| Return on Loans | % | 6.85 | 6.64 | 6.20 | 6.12 | 6.69 | ||||||
| Operating Profit (As % of Loans) | % | ... | 12.6 | 12.0 | 11.9 | 11.5 | 13.4 | |||||
| Costs (As % Of Loans) | % | ... | 15.1 | 11.6 | 10.7 | 10.7 | 9.54 | |||||
| Equity (As % Of Loans) | % | 22.4 | 23.0 | 19.7 | 22.0 | 17.7 |
Get all company financials in excel:
By Helgi Library - March 4, 2020
Federal International Finance generated total banking revenues of IDR 1,959 bil in the second quarter of 2019, up 5.32% when compared to the same period of last year and 5.39% when compared to the previous quarter. Historically, the bank’s revenues containing...
By Helgi Library - March 4, 2020
Federal International Finance's Equity reached 18.1% of total assets in the 2Q2019, up from 16.0% for the previous year. As a share of net customer loans, the ratio amounted to 19.3% at the end of the second quarter of 2019. ...
By Helgi Library - March 4, 2020
Federal International Finance's Equity reached 18.1% of total assets in the 2Q2019, up from 16.0% for the previous year. As a share of net customer loans, the ratio amounted to 19.3% at the end of the second quarter of 2019. ...
By Helgi Library - March 4, 2020
Federal International Finance's customer deposits reached IDR 0 bil in 2015-12-31, down 0% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,073,547 bil in 2015-12-31, down 1.14% when compared to the last year. F...
By Helgi Library - March 4, 2020
Federal International Finance's customer deposits reached IDR 0 bil in 2015-12-31, down 0% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,073,547 bil in 2015-12-31, down 1.14% when compared to the last year. F...
By Helgi Library - March 4, 2020
Federal International Finance generated total banking revenues of IDR 7,502 bil in 2018, up 14.2% 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 7,502 bi...
By Helgi Library - March 4, 2020
Federal International Finance generated total banking revenues of IDR 7,502 bil in 2018, up 14.2% 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 7,502 bi...
By Helgi Library - March 4, 2020
Federal International Finance's net interest margin amounted to 23.0% in 2018, up from 21.6% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 40.4% in 2009 and an all time low of 19.1% in 2013. The ...
By Helgi Library - March 4, 2020
Federal International Finance's net interest margin amounted to 23.0% in 2018, up from 21.6% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 40.4% in 2009 and an all time low of 19.1% in 2013. The ...
By Helgi Library - March 4, 2020
Federal International Finance generated total banking revenues of IDR 6,568 bil in 2017, up 5.94% compared to the previous year. Indonesian banking sector banking sector generated total revenues of IDR 516,680,067 mil in 2017, up 2.44% when compared t...
Federal International Finance has been growing its revenues and asset by 11.1% and 5.56% a year on average in the last 3 years. Its loans and deposits have grown by 7.32% 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 37.8% in the last three years with net profit growing 15.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 37.0% in 2018, compared to 38.7% average in the last three years.
Equity represented 17.8% of total assets or 18.7% of loans at the end of 2018. Federal International Finance's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
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