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    Banks - Regional
PT Bank Amar Indonesia Tbk

PT Bank Amar Indonesia Tbk

AMAR.JK
PT Bank Amar Indonesia TbkID flagIndonesia Stock Exchange
192.00
IDR
-4.00
- -
3.46TMarket Cap
PT Bank Amar Indonesia Tbk
AMAR.JK
(Indonesia Stock Exchange)

Recent

price

192.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
12.48
13.73
41.37
72.63
70.69
65.93
53.19
73.79
84.47
- -
90.94
Revenue per Share
-4
0.54
2.36
7.34
1.03
0.45
-10.06
10.97
11.87
- -
12.8
Basic EPS, GAAP
-1.49
4.35
0.45
72.58
89.03
52.08
-175.53
-18.28
33.6
- -
19.25
Free Cash Flow per Basic Share
- -
- -
- -
- -
3.67
- -
- -
- -
5.67
- -
9.16
Dividend per Share
68.27
68.81
71.17
102.39
99.69
91.24
81.72
116.83
109.44
- -
109.09
Book Value per Share
68.21
69.14
70.2
128.79
127.44
115.57
205.51
202.94
184.25
- -
183.28
Tangible Book Value per Share
6,916
6,916
6,916
8,371
8,371
9,191
15,439
16,226
18,117
- -
18,381
Basic Weighted Avg Shares
86,288
94,980
286,063
607,956
591,765
605,943
821,135
1,197,254
1,530,402
1,772,113
1,671,510
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
4,564
12,917
13,039
11,628
11,137
11,271
11,049
10,383
Depreciation Expense
-27,661
3,732
16,291
61,427
8,586
4,115
-155,381
177,972
214,992
249,635
235,203
Net Income, GAAP
- -
29.45
26.82
24.64
67.11
- -
- -
19.11
21.83
20.45
21.92
Effective Tax Rate (%)
-32.06
3.93
5.69
10.1
1.45
0.68
-18.92
14.87
14.05
14.09
14.07
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
214,429
93
8,614
8,169
7,050
10,007
7,803
2,210
4,881
LT Debt
472,475
478,700
485,902
1,078,408
1,067,031
1,066,584
3,176,199
3,295,469
3,339,384
3,421,911
3,369,706
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
0.79
3.37
9.11
1.02
0.49
-14.8
11.27
11.09
12.38
11.93
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
18,014
18,014
18,014
Market Capitalization
3,510,771
3,161,532
2,904,198

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
983,672
1,045,274
958,282
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
41.06%
2.47%
Free Cash Flow
- -
-229.52%
-51.4%
Net Income, GAAP
- -
-821.13%
16.11%
Sales/Revenue/Turnover
- -
25.47%
15.79%
Total Cash Common Dividend
- -
- -
49.04%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
351,518
350,263
388,130
440,491
1,530,402
2025
413,932
428,957
460,542
- -
1,772,113
2026
486,444
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.66
- -
- -
- -
11.87
2025
3.67
- -
- -
- -
- -
2026
3.87
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
5.67
2025
1.37
- -
- -
- -
- -
2026
1.34
- -
- -
- -
- -
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Business
PT Bank Amar Indonesia Tbk PT Bank Amar Indonesia Tbk is an Indonesia-based digital bank that operates as a non-foreign exchange private commercial bank, focusing on retail customers and micro, small, and medium enterprises through its Online, Brick and Mortar, and Head Office segments; its core products and services include digital funding via the Tunaiku app for non-collateral loans and the Senyumku app for transactions, alongside conventional offerings such as Aster Savings, Amar Dana Savings, Tabungan Amar Cemerlang, Tabungan Amar Berjangka, Tabungan Pegawai, Deposito Berjangka, Deposito on Call, AMAR GIRO Perorangan, AMAR GIRO Perusahaan, Kredit Modal Kerja, Kredit Investasi, Amar Payroll Service, demand deposits, savings accounts, time deposits, certificates of deposit, working capital loans, investment loans, multi-purpose consumer loans, housing loans, debit cards, digital account opening, transfers, direct debit, bill payments, and treasury management. Founded in 1991 as PT Anglomas International Bank in Surabaya and rebranded to its current name in 2014 following acquisition by Tolaram Pte. Ltd., which remains its controlling shareholder, the company is headquartered at Jl. Basuki Rahmat No. 109 in Surabaya with additional operations in Setiabudi, serving customers across Indonesia. In a significant recent development, Japan's SBI Holdings acquired a 5.63% stake in October 2025 through the purchase of 1.04 billion shares, becoming the third-largest institutional investor and forming a strategic alliance to leverage expertise for retail and MSME growth, as stated by President Director Vishal Tulsian and Tolaram Managing Director Navin Nahata.