By Helgi Library - March 4, 2020
Verena Oto Finance stock traded at IDR 124 per share at the end third quarter of 2019 implying a market capitalization of USD 49.7 mil. ...
By Helgi Library - March 4, 2020
Verena Oto Finance stock traded at IDR 124 per share at the end third quarter of 2019 implying a market capitalization of USD 49.7 mil. ...
By Helgi Library - March 4, 2020
Verena Oto Finance stock traded at IDR 124 per share at the end of third quarter of 2019 implying a market capitalization of USD 49....
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | IDR bil | 83.2 | 103 | 74.0 |
| Net Fee Income | IDR bil | 59.8 | 65.9 | 31.7 |
| Other Income | IDR bil | 9.03 | 10.6 | 8.28 |
| Total Revenues | IDR bil | 152 | 179 | 114 |
| Staff Cost | IDR bil | 61.7 | 5.44 | 55.4 |
| Operating Profit | IDR bil | 37.5 | 63.7 | 24.5 |
| Provisions | IDR bil | 26.5 | 52.0 | 215 |
| Net Profit | IDR bil | 6.47 | 7.55 | -193 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Customer Loans | IDR bil | 1,606 | 1,520 | 1,291 |
| Total Assets | IDR bil | 1,790 | 1,750 | 1,565 |
| Shareholders' Equity | IDR bil | 287 | 464 | 271 |
| Interbank Borrowing | IDR bil | 0 | 0 | 0 |
| Issued Debt Securities | IDR bil | 1,441 | 1,228 | 1,255 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 2.26 | 2.01 | -52.5 |
| ROA | % | 0.351 | 0.427 | -11.6 |
| Costs (As % Of Assets) | % | 6.21 | 6.52 | 5.40 |
| Costs (As % Of Income) | % | 75.3 | 64.4 | 78.5 |
| Net Interest Margin | % | 4.51 | 5.80 | 4.46 |
| NPLs (As % Of Loans) | % | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | ... |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 23.1 | 24.4 | ... | |
| Price/Book Value (P/BV) | 0.520 | 0.397 | 1.11 | |
| Dividend Yield | % | 0 | 0 | ... |
| Earnings Per Share (EPS) | IDR | 6.42 | 3.81 | -74.7 |
| Book Value Per Share | IDR | 285 | 234 | 105 |
| Dividend Per Share | IDR | 0 | 0 | ... |
Get all company financials in excel:
| summary | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||
| Net Interest Income | IDR bil | 119 | 148 | 130 | 101 | 83.2 | |||||||||
| Total Revenues | IDR bil | 170 | 209 | 187 | 168 | 152 | |||||||||
| Operating Profit | IDR bil | 64.9 | 83.1 | 75.4 | 57.4 | 37.5 | |||||||||
| Net Profit | IDR bil | 33.1 | 34.6 | 24.5 | 2.42 | 6.47 | |||||||||
| balance sheet | |||||||||||||||
| Customer Loans | IDR bil | 1,679 | 1,894 | 1,979 | 1,748 | 1,606 | |||||||||
| Debt Securities | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Assets | IDR bil | 1,955 | 2,100 | 2,155 | 1,894 | 1,790 | |||||||||
| Shareholders' Equity | IDR bil | 219 | 256 | 283 | 284 | 287 | |||||||||
| Interbank Borrowing | IDR bil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||
| Issued Debt Securities | IDR bil | 1,672 | 1,780 | 1,785 | 1,554 | 1,441 | |||||||||
| ratios | |||||||||||||||
| ROE | % | ... | 16.4 | 14.6 | 9.09 | 0.853 | 2.26 | ||||||||
| ROA | % | ... | 1.90 | 1.70 | 1.15 | 0.120 | 0.351 | ||||||||
| Costs (As % Of Assets) | % | ... | 6.07 | 6.23 | 5.27 | 5.49 | 6.21 | ||||||||
| Costs (As % Of Income) | % | 61.9 | 60.3 | 59.8 | 65.9 | 75.3 | |||||||||
| Net Interest Margin | % | ... | 6.86 | 7.32 | 6.11 | 5.01 | 4.51 | ||||||||
| Interest Income (As % Of Revenues) | % | 70.0 | 70.8 | 69.3 | 60.2 | 54.7 | |||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.3 | 34.4 | 39.3 | ||
| Staff Cost (As % Of Total Cost) | % | 48.2 | 45.8 | 58.5 | 55.9 | 53.9 | |||||||||
| Equity (As % Of Assets) | % | 11.2 | 12.2 | 13.1 | 15.0 | 16.0 | |||||||||
| Loans (As % Assets) | % | 85.9 | 90.2 | 91.8 | 92.3 | 89.7 | |||||||||
| NPLs (As % Of Loans) | % | 0.315 | 0.412 | 0.438 | 0.550 | ... | ... | ... | |||||||
| Provisions (As % Of NPLs) | % | 509 | 411 | 387 | 377 | ... | ... | ... | |||||||
| valuation | |||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | 10.6 | 7.57 | 6.45 | 11.5 | 11.0 | ||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 1,007 | 1,007 | 1,007 | 1,007 | ||||
| Share Price (End Of Period) | IDR | ... | ... | ... | 101 | 92.0 | 80.0 | 158 | 148 | ||||||
| Earnings Per Share (EPS) | IDR | ... | ... | ... | ... | ... | ... | 34.3 | 24.3 | 2.40 | 6.42 | ||||
| Book Value Per Share | IDR | ... | ... | ... | ... | ... | ... | 254 | 281 | 282 | 285 | ||||
| Dividend Per Share | IDR | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | ||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 2.68 | 3.29 | 65.9 | 23.1 | ... | ||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 0.362 | 0.285 | 0.560 | 0.520 | |||||
| Dividend Yield | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | ||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -29.2 | -90.1 | 168 | |||
| Book Value Per Share Growth | % | ... | 74.1 | 24.3 | 10.6 | 0.474 | 0.842 |
| income statement | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||
| Interest Income | IDR bil | 274 | 316 | 334 | 311 | 266 | |||||||||
| Interest Cost | IDR bil | 155 | 168 | 204 | 209 | 183 | |||||||||
| Net Interest Income | IDR bil | 119 | 148 | 130 | 101 | 83.2 | |||||||||
| Net Fee Income | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 49.3 | 57.9 | 59.8 | ||
| Other Income | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.24 | 9.13 | 9.03 | ||
| Total Revenues | IDR bil | 170 | 209 | 187 | 168 | 152 | |||||||||
| Staff Cost | IDR bil | 50.8 | 57.9 | 65.6 | 62.1 | 61.7 | |||||||||
| Depreciation | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.12 | ||
| Other Cost | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 46.6 | ||
| Operating Cost | IDR bil | 105 | 126 | 112 | 111 | 114 | |||||||||
| Operating Profit | IDR bil | 64.9 | 83.1 | 75.4 | 57.4 | 37.5 | |||||||||
| Provisions | IDR bil | 18.4 | 34.5 | 42.1 | 49.9 | 26.5 | |||||||||
| Extra and Other Cost | IDR bil | 2.07 | 2.44 | 1.17 | 1.45 | 1.65 | |||||||||
| Pre-Tax Profit | IDR bil | 44.4 | 46.1 | 32.1 | 6.09 | 9.31 | |||||||||
| Tax | IDR bil | 11.3 | 11.5 | 7.64 | 3.67 | 2.84 | |||||||||
| Minorities | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||
| Net Profit | IDR bil | 33.1 | 34.6 | 24.5 | 2.42 | 6.47 | |||||||||
| Dividends | IDR bil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | ||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 74.1 | 24.3 | -12.4 | -22.0 | -18.0 | ||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.6 | 3.17 | ||
| Total Revenue Growth | % | ... | 30.6 | 23.0 | -10.5 | -10.1 | -9.81 | ||||||||
| Operating Cost Growth | % | ... | 26.2 | 19.9 | -11.3 | -0.914 | 3.04 | ||||||||
| Operating Profit Growth | % | ... | 38.6 | 28.0 | -9.26 | -23.8 | -34.7 | ||||||||
| Pre-Tax Profit Growth | % | ... | 36.0 | 3.76 | -30.3 | -81.0 | 52.8 | ||||||||
| Net Profit Growth | % | ... | 34.2 | 4.43 | -29.1 | -90.1 | 167 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | 0.053 | 0.059 | 0.047 | 0.038 | 0.030 | ... | ||||||||
| Market Share in Net Profit | % | 0.033 | 0.031 | 0.021 | 0.002 | 0.007 | ... |
| balance sheet | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||||||
| Cash | IDR bil | 184 | 102 | 47.1 | 9.37 | 12.8 | |||||||||
| Customer Loans | IDR bil | 1,679 | 1,894 | 1,979 | 1,748 | 1,606 | |||||||||
| Retail Loans | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Corporate Loans | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Debt Securities | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Fixed Assets | IDR bil | 35.8 | 37.0 | 31.0 | 38.5 | 34.2 | |||||||||
| Intangible Assets | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||
| Goodwill | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ||
| Total Assets | IDR bil | 1,955 | 2,100 | 2,155 | 1,894 | 1,790 | |||||||||
| Shareholders' Equity | IDR bil | 219 | 256 | 283 | 284 | 287 | |||||||||
| Of Which Minority Interest | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||
| Liabilities | IDR bil | 1,737 | 1,844 | 1,872 | 1,610 | 1,504 | |||||||||
| Interbank Borrowing | IDR bil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||
| Issued Debt Securities | IDR bil | 1,672 | 1,780 | 1,785 | 1,554 | 1,441 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | IDR bil | 5.38 | 7.94 | 8.82 | 9.82 | ... | ... | ... | |||||||
| Gross Loans | IDR bil | 1,707 | 1,926 | 2,013 | 1,785 | 1,623 | |||||||||
| Total Provisions | IDR bil | 27.4 | 32.7 | 34.1 | 37.0 | 17.1 | |||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 33.0 | 12.8 | 4.49 | -11.7 | -8.13 | ||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Total Asset Growth | % | ... | 28.6 | 7.40 | 2.60 | -12.1 | -5.48 | ||||||||
| Shareholders' Equity Growth | % | ... | 17.8 | 17.0 | 10.6 | 0.474 | 0.842 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 0.059 | 0.055 | 0.052 | 0.043 | 0.037 | ... | ||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Market Share in Total Assets | % | 0.046 | 0.043 | 0.038 | 0.031 | 0.027 | ... |
| ratios | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||||||
| ROE | % | ... | 16.4 | 14.6 | 9.09 | 0.853 | 2.26 | ||||||||
| ROA | % | ... | 1.90 | 1.70 | 1.15 | 0.120 | 0.351 | ||||||||
| Costs (As % Of Assets) | % | ... | 6.07 | 6.23 | 5.27 | 5.49 | 6.21 | ||||||||
| Costs (As % Of Income) | % | 61.9 | 60.3 | 59.8 | 65.9 | 75.3 | |||||||||
| Net Interest Margin | % | ... | 6.86 | 7.32 | 6.11 | 5.01 | 4.51 | ||||||||
| Interest Spread | % | ... | 5.69 | 6.22 | 4.72 | 3.33 | 2.69 | ||||||||
| Asset Yield | % | ... | 15.8 | 15.6 | 15.7 | 15.3 | 14.5 | ||||||||
| Cost Of Liabilities | % | ... | 10.1 | 9.37 | 11.0 | 12.0 | 11.8 | ||||||||
| Payout Ratio | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | ||||
| Interest Income (As % Of Revenues) | % | 70.0 | 70.8 | 69.3 | 60.2 | 54.7 | |||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.3 | 34.4 | 39.3 | ||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.39 | 5.42 | 5.94 | ||
| Cost Per Employee | USD per month | 518 | 532 | 557 | 564 | 519 | |||||||||
| Cost Per Employee (Local Currency) | IDR per month | 4,862,060 | 5,541,980 | 6,838,010 | 7,385,990 | 7,065,510 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 48.2 | 45.8 | 58.5 | 55.9 | 53.9 | |||||||||
| Equity (As % Of Assets) | % | 11.2 | 12.2 | 13.1 | 15.0 | 16.0 | |||||||||
| Loans (As % Assets) | % | 85.9 | 90.2 | 91.8 | 92.3 | 89.7 | |||||||||
| NPLs (As % Of Loans) | % | 0.315 | 0.412 | 0.438 | 0.550 | ... | ... | ... | |||||||
| Provisions (As % Of NPLs) | % | 509 | 411 | 387 | 377 | ... | ... | ... | |||||||
| Provisions (As % Of Loans) | % | 1.63 | 1.72 | 1.73 | 2.12 | 1.07 | |||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.25 | 1.93 | 2.17 | 2.68 | 1.58 |
| other data | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||||||||
| Employees | 871 | 871 | 799 | 701 | 728 | ||||||||||
| Return on Loans | % | 2.25 | 1.93 | 1.26 | 0.130 | 0.386 | |||||||||
| Operating Profit (As % of Loans) | % | ... | 4.41 | 4.65 | 3.89 | 3.08 | 2.24 | ||||||||
| Costs (As % Of Loans) | % | ... | 7.17 | 7.08 | 5.79 | 5.96 | 6.83 | ||||||||
| Equity (As % Of Loans) | % | 13.0 | 13.5 | 14.3 | 16.3 | 17.9 |
Get all company financials in excel:
By Helgi Library - March 4, 2020
Verena Oto Finance stock traded at IDR 124 per share at the end of third quarter of 2019 implying a market capitalization of USD 49.7 mil. Over the last five years, the stock has appreciated by 51.2 implying an annual average growth of 8.62% In absolute t...
By Helgi Library - March 4, 2020
Verena Oto Finance made a net profit of IDR 1.46 bil in the third quarter of 2019, up 101% when compared to the same period of last year. This implies a return on equity of 0.915%. Historically, the bank’s net profit reached an all time high of IDR 12.4 bil in 2Q...
By Helgi Library - March 4, 2020
Verena Oto Finance made a net profit of IDR 1.46 bil in the third quarter of 2019, up 101% when compared to the same period of last year. This implies a return on equity of 0.915%. Historically, the bank’s net profit reached an all time high of IDR 12.4 bil in 2Q...
By Helgi Library - March 4, 2020
Verena Oto Finance's Equity reached 23.3% of total assets in the 3Q2019, down from 24.7% for the previous year. As a share of net customer loans, the ratio amounted to 26.2% at the end of the third quarter of 2019. ...
By Helgi Library - March 4, 2020
Verena Oto Finance's Equity reached 23.3% of total assets in the 3Q2019, down from 24.7% for the previous year. As a share of net customer loans, the ratio amounted to 26.2% at the end of the third quarter of 2019. ...
By Helgi Library - March 4, 2020
Verena Oto Finance made a net profit of IDR -193 bil under revenues of IDR 114 bil in 2018, up -2,656% and -36.4% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of IDR 34.6 bil in 2013 and an all time low of I...
By Helgi Library - March 4, 2020
Verena Oto Finance made a net profit of IDR -193 bil under revenues of IDR 114 bil in 2018, up -2,656% and -36.4% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of IDR 34.6 bil in 2013 and an all time low of I...
By Helgi Library - March 4, 2020
Verena Oto Finance's net interest margin amounted to 4.46% in 2018, down from 5.80% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 21.2% in 2006 and an all time low of 4.46% in 2018. The average m...
By Helgi Library - March 4, 2020
Verena Oto Finance's net interest margin amounted to 4.46% in 2018, down from 5.80% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 21.2% in 2006 and an all time low of 4.46% in 2018. The average m...
By Helgi Library - March 4, 2020
Verena Oto Finance generated total banking revenues of IDR 114 bil in 2018, down 36.4% 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 187 bil in 2014 and...
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