PT Bank China Construction Bank Indonesia Tbk

PT Bank China Construction Bank Indonesia Tbk

IIDX:MCOR
59.00
IDR
+2.00
(+3.51%)
8.12EPS
8.25P/E
2.54TMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
43.78
32.43
37.21
52.98
37.52
40.99
38.84
24.92
21.57
23.92
27.06
29.66
28.26
28.76
Basic EPS, GAAP
10.56
5.22
6.33
2.24
3
5.4
4.75
1.91
2.09
3.59
6.36
7.79
7.96
8.12
Free Cash Flow per Basic Share
18.62
54.95
-19.39
-61.15
72.73
-134.16
-6.51
-94.25
13.83
-38.25
78.39
64.56
51.83
28.75
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
102.12
120.47
75.15
144.08
146.94
151.29
168.05
158.67
160.37
163.48
172.48
180.43
188.44
191.87
Tangible Book Value per Share
102.12
120.47
75.15
129.31
132.34
137.03
154.12
152.71
154.55
157.81
166.96
175.05
183.21
186.71
Basic Weighted Avg Shares
7,418
10,135
10,640
9,918
16,631
16,631
16,631
26,112
37,920
37,920
37,920
37,920
37,920
37,920
Sales/Revenue/Turnover
324,787
328,735
395,929
525,508
624,008
681,708
645,972
650,800
817,770
907,039
1,026,053
1,124,885
1,071,467
1,090,514
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
16,998
28,059
34,267
35,677
44,188
46,355
- -
- -
67,203
71,837
50,729
59,017
60,661
63,071
Net Income, GAAP
78,306
52,901
67,378
22,178
49,899
89,860
78,967
49,979
79,392
135,959
241,291
295,402
301,948
307,914
Effective Tax Rate (%)
34.03
25.99
30.2
72.08
33.75
33.74
29.7
21.54
23.67
22.64
22.11
22.73
23.2
23.18
Profit Margin (%)
24.11
16.09
17.02
4.22
8
13.18
12.22
7.68
9.71
14.99
23.52
26.26
28.18
28.24
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
50,000
- -
- -
- -
- -
416,475
425,586
446,502
475,715
464,718
496,787
25,231
307,893
Total Equity
1,035,013
1,221,079
1,413,732
2,396,184
2,443,795
2,516,158
2,794,858
6,016,716
6,081,206
6,199,237
6,540,557
6,841,796
7,145,518
7,275,533
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.75
4.59
5.02
1.16
2.06
3.62
2.76
1.04
1.22
2.06
3.53
4.12
4.16
4.1
Return on Common Equity (%)
8.75
4.69
5.11
1.16
2.06
3.62
2.97
1.13
1.31
2.21
3.79
4.41
4.32
4.33

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
37,920
37,920
37,920
Market Capitalization
2,843,980
2,578,542
2,540,622

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,371,688
2,759,424
3,243,663
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.84%
3.51%
4.44%
Free Cash Flow
84.77%
-168.02%
-19.73%
Net Income, GAAP
32.14%
46.44%
2.22%
Sales/Revenue/Turnover
11.08%
10.92%
-4.75%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
303,149
290,894
256,122
274,720
1,124,885
2025
265,381
263,057
- -
279,206
1,071,467
2026
272,122
276,129
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.94
1.96
1.92
1.96
7.79
2025
2.07
2.07
- -
1.87
7.96
2026
2.06
2.11
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Wen Nan You
Full Time Employees
1,140
Sector
Finance
Industry
Major banks
Address
Sahid Sudirman Center Jakarta JK Indonesia 10220
IPO Date
Jul 3, 2007
Business
PT Bank China Construction Bank Indonesia Tbk (MCOR.JK) operates as a commercial foreign exchange bank in Indonesia, focusing on corporate banking while developing small and medium enterprise, commercial, and consumer banking segments. The bank offers a comprehensive range of products and services including rupiah and foreign currency deposits such as time deposits, current accounts, and savings accounts; loans comprising auto loans, mortgage loans, housing loans, personal loans, commercial express loans, back-to-back loans, current account loans, syndicated loans, investment loans, project financing loans, and working capital loans; treasury services for assets and liabilities management, liquidity management, money market participation, and foreign exchange transactions; trade finance products such as letters of credit, domestic letters of credit, bank guarantees, standby letters of credit, counter guarantees, LC document negotiations and discounts, and documentary collections; and additional services including safe deposit boxes, international banking, ATM services, mobile banking, and internet banking for individuals and corporates. It maintains a network of approximately 80 offices, including 21 branches and 61 sub-branches, across major regions such as Java, Bali, Sumatra, Riau Archipelago, West Kalimantan, South Sulawesi, Bangka Belitung, and West Nusa Tenggara, with primary operations supporting infrastructure financing, trade finance, and cross-border RMB settlement in line with Indonesian government programs and leveraging expertise from its parent company. Founded in 1974 and headquartered at Sahid Sudirman Center, 15th floor, Jl. Jend. Sudirman Kav. 86, Central Jakarta 10220, Indonesia, the bank resulted from the 2016 merger of PT Bank Windu Kentjana International Tbk and PT Bank Antardaerah, followed by China Construction Bank Corporation's acquisition of a controlling 60% stake and the name change to PT Bank China Construction Bank Indonesia Tbk in December 2016; it functions as a subsidiary of China Construction Bank Corporation. Recent developments include maintaining an id AAA rating (stable outlook) from PT Pefindo for six consecutive years through September 2026 based on capital strength, liquidity, and shareholder support; receiving multiple awards such as Indonesia Best Bank 2025 for accelerating sustainable corporate and consumer financial services from Warta Ekonomi on June 25, 2025, The Excellent Performance Bank in 2024 (KBMI 2) from Infobank on August 29, 2025, Best Performance Bank KBMI II from Bisnis Indonesia on September 18, 2024, and Indonesia Best Bank 2024 from Warta Ekonomi on July 31, 2024; and pursuing strategic initiatives to accelerate business growth in corporate, SME/commercial, and consumer segments, optimize digital banking through existing offices and IT infrastructure enhancements for risk management, AML, anti-fraud, and product development, ensure adequate capital adequacy ratios, elevate good corporate governance and risk management systems, and improve human capital via expanded training programs.