Bank Amar Indonesia

AMAR · JK · Financial Services / Banks - Regional

192.00IDR+3.00 (+1.59%)

Price History

Full chart

Market Stats

Previous Close189.00

Open187.00

Day Range186.00 – 192.00

52-Week Range171.44 – 285.65

Volume7.20K

Market Cap4.07T

P/E (TTM)14.13

Forward P/E0.00

EPS16.00

Dividend Yield5.11%

Beta0.21

50-Day Avg226.24

200-Day Avg210.62

About

PT Bank Amar Indonesia Tbk provides banking products and services in Indonesia. The company operates through Online, Brick and mortar, and Head Office segments. Its deposit products include demand, saving, and time deposit; certificate of deposit; and other form of deposits, including deposit from other banks. The company also offers working capital loans and investment loans, such as installment, fixed, demand, and stand by; consumer loans, such as multi-purpose loans; housing, consumer, and third-party loans; and debit cards. In addition, it provides digital account opening, transfer, direct debit, QRSI payment, settlement, bill payment, financial, and treasury management services. The company was formerly known as PT. Anglomas International Bank and changed its name to PT Bank Amar Indonesia in 2014. PT Bank Amar Indonesia Tbk was founded in 1991 and is headquartered in Setiabudi, Indonesia. PT Bank Amar Indonesia Tbk is a subsidiary of Tolaram Pte. Ltd.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Vishal Tulsian
Employees1.58K
HeadquartersRDTX Square, Setiabudi, Indonesia, 12930, Indonesia
Websitehttps://www.amarbank.co.id

Leadership

Mr. Vishal TulsianPresident Director · b. 1974
Mr. David WirawanSenior Vice President of Finance · b. 1991
Mr. Kevin Kane WardhanaDirector of Information Technology and Operations, CTO & Director · b. 1994
Mr. Johanes Antonius SinagaLegal & Litigation Function Head · b. 1989
Ms. Thio SucyCompliance Director & Director · b. 1969
Ms. Ratna Julia SahlanHead of Human Resources Division & People Function Head · b. 1990
Mr. Abraham Henry Mixson Lumban BatuQuality Assurance Function Head · b. 1988
Mr. Benyamin TampubolonDigital Banking Service Function Head · b. 1992
Mr. Robby HamdaniInternal Audit Function Head · b. 1979
Ms. Anggrahini StephanieArea Head - Surabaya · b. 1982

Financials

Income Statement

Currency: IDR	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	10.59B	15.58B	40.06B	90.86B	107.20B	356.30B	750.40B	776.23B	819.67B	934.79B	1.26T	1.59T	1.87T
Growth (%)	-	+47.03%	+157.19%	+126.80%	+17.98%	+232.37%	+110.61%	+3.44%	+5.60%	+14.05%	+34.88%	+26.43%	+17.54%
Cost of Revenue	-	-	-	4.57B	12.22B	70.23B	142.44B	184.46B	213.73B	113.66B	63.55B	63.65B	960.41B
Gross Profit	10.59B	15.58B	40.06B	86.29B	94.98B	286.06B	607.96B	591.76B	605.94B	821.13B	1.20T	1.53T	913.22B
Gross Margin	100.00%	100.00%	100.00%	94.97%	88.60%	80.29%	81.02%	76.24%	73.93%	87.84%	94.96%	96.01%	48.74%
Operating Expense	12.18B	13.95B	35.82B	122.68B	89.69B	263.80B	526.45B	565.66B	605.13B	1.02T	977.23B	1.26T	599.41B
Operating Income	-1.59B	1.62B	4.24B	-36.39B	5.29B	22.26B	81.51B	26.11B	814.54M	-202.61B	220.03B	275.03B	313.81B
Operating Margin	-14.98%	10.43%	10.59%	-40.05%	4.93%	6.25%	10.86%	3.36%	0.10%	-21.67%	17.45%	17.25%	16.75%
EBITDA	343.00M	444.63M	5.30B	-34.42B	7.12B	24.56B	86.07B	39.02B	13.85B	-190.98B	231.16B	286.30B	324.14B
EBITDA Margin	3.24%	2.85%	13.23%	-37.88%	6.64%	6.89%	11.47%	5.03%	1.69%	-20.43%	18.33%	17.96%	17.30%
Net Income	-1.41B	402.33M	3.53B	-27.66B	3.73B	16.29B	61.43B	8.59B	4.12B	-155.38B	177.97B	214.99B	249.63B
Net Income Margin	-13.30%	2.58%	8.80%	-30.44%	3.48%	4.57%	8.19%	1.11%	0.50%	-16.62%	14.12%	13.49%	13.32%
Interest Expense	-	-	-	4.57B	12.22B	70.23B	142.44B	184.46B	213.73B	113.66B	63.55B	63.65B	107.86B
Interest Expense % of Total Revenue	-	-	-	5.03%	11.40%	19.71%	18.98%	23.76%	26.07%	12.16%	5.04%	3.99%	5.76%

Balance Sheet

Currency: IDR	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	177.46B	231.00B	494.61B	548.06B	846.15B	1.86T	3.45T	4.06T	5.20T	4.51T	4.38T	4.87T	6.76T
Total Liabilities	-	702.09M	94.18B	75.59B	367.45B	1.37T	2.37T	2.99T	4.14T	1.33T	1.08T	1.53T	3.34T
Total Equity	146.81B	128.86B	400.42B	472.48B	478.70B	485.90B	1.08T	1.07T	1.07T	3.18T	3.30T	3.34T	3.42T
Cash	2.75B	81.53B	66.65B	137.06B	293.30B	345.98B	1.27T	1.72T	1.89T	1.46T	1.01T	983.67B	144.72B
Total Debt	-	-	-	-	210.95M	214.43B	457.84B	638.16B	853.52B	266.84B	228.06B	7.80B	304.94B
Net Debt	-2.75B	-81.53B	-66.65B	-137.06B	-293.09B	-131.56B	-1.27T	-1.71T	-1.88T	-1.45T	-784.36B	-975.87B	160.21B

Cash Flow

Currency: IDR	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-	-36.36B	12.09B	-10.28B	30.10B	3.11B	614.82B	745.70B	485.70B	-2.71T	-292.93B	632.97B	1.29T
Investing Cash Flow	-	28.20B	-327.45B	-26.49B	-37.85B	-863.00M	-17.08B	-254.38B	-312.24B	11.09B	-16.66B	-572.80B	-2.73T
Financing Cash Flow	-	21.89B	304.16B	99.86B	289.49B	214.43B	314.84B	-30.69B	-3.23B	2.26T	-68.16B	-172.12B	1.66T
Capital Expenditure	0	348.85M	3.74B	1.75B	1.12B	4.21B	7.26B	4.65B	7.04B	2.59B	3.70B	2.89B	10.70B
Free Cash Flow	-	-36.71B	8.35B	-12.03B	28.97B	-1.09B	607.56B	741.05B	478.66B	-2.71T	-296.62B	630.09B	1.28T
Dividends Paid	-	-	-	-	30.69B	30.69B	30.69B	30.69B	0	-	-	127.96B	153.12B
FCF to OCF	-	100.96%	69.06%	117.06%	96.27%	-35.11%	98.82%	99.38%	98.55%	100.10%	101.26%	99.54%	99.17%
Dividend Paid to FCF	-	-	-	-	105.94%	-2807.99%	5.05%	4.14%	0.00%	-	-	20.31%	11.98%

Earnings

Report Date	Mar 31, 2020	Jun 30, 2020	Sep 30, 2020	Dec 31, 2020	Mar 31, 2021	Jun 30, 2021	Sep 30, 2021	Dec 31, 2021	Mar 31, 2022	Jun 30, 2022	Sep 30, 2022	Dec 31, 2022	Mar 31, 2023	Jun 30, 2023
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EPS Actual	1.63	0.08	0.43	-1.42	0.13	0.17	-0.25	0.30	-0.61	-5.51	-5.89	1.27	1.87	3.66
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap4.07T

Enterprise Value3.16T

Trailing P/E14.13

Forward P/E0.00

Price / Sales4.11

Price / Book1.23

EPS16.00

Book Value190.86

Revenue (TTM)990.76B

Gross Profit (TTM)980.99B

Profit Margin27.78%

Operating Margin32.57%

Return on Equity8.09%

Return on Assets4.51%

Shares Outstanding18.01B

Shares Float540.41M

Beta0.21

Dividend Yield5.11%

Dividend Rate11.55

Payout Ratio67.81%

Dividends

20262×

3.90Aug 12, 20266.11Jun 29, 2026

20253×

1.54Dec 23, 20253.20Aug 8, 20255.30Jun 26, 2025

20243×

1.40Dec 27, 20242.65Aug 9, 20243.04Jun 7, 2024

20201×

3.67Sep 4, 2020