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PT Bank Artha Graha Internasional Tbk

PT Bank Artha Graha Internasional Tbk

INPC.JK
PT Bank Artha Graha Internasional TbkID flagIndonesia Stock Exchange
130.00
IDR
-2.00
- -
2.63TMarket Cap
PT Bank Artha Graha Internasional Tbk
INPC.JK
(Indonesia Stock Exchange)

Recent

price

130.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
76.34
88.76
105.41
82.73
79.76
85.09
84.21
80.61
79.43
65.34
47.25
53.03
55.16
63.85
62.3
63.77
65.39
Revenue per Share
9.73
11.71
15.55
17.02
8.59
5.45
5.47
4.31
3.39
-3.69
1.35
-8.31
2.72
7.26
7.54
-28.06
-26.09
Basic EPS, GAAP
251.73
25.56
-151.19
1.6
26.13
106.94
-125.77
60.89
72.76
36.25
323.2
-151.32
28.98
-25.22
286.38
-61.51
62.58
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
73.54
85.48
118.24
165.92
173.75
179.47
203.27
176.58
181.87
178.18
113.16
104.35
107.07
114.33
121.87
93.8
96.7
Book Value per Share
122.59
122.71
167.12
155.13
159
160.62
184.54
161.25
166.72
163.97
102.27
98.13
100.96
108.31
116.97
89.26
90.54
Tangible Book Value per Share
8,602
8,575
8,575
13,088
13,088
13,088
13,314
15,796
15,796
15,796
15,796
20,223
20,223
20,223
20,223
20,223
20,223
Basic Weighted Avg Shares
656,668
761,117
903,911
1,082,758
1,043,850
1,113,663
1,121,219
1,273,362
1,254,652
1,032,119
746,337
1,072,422
1,115,488
1,291,158
1,259,820
1,289,534
1,322,453
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
15,436
42,414
45,334
32,670
31,381
48,069
48,138
36,469
33,712
61,390
58,942
65,145
76,363
86,288
82,426
87,988
Depreciation Expense
83,669
100,430
133,349
222,805
112,376
71,294
72,843
68,101
53,621
-58,345
21,371
-168,063
54,997
146,753
152,474
-567,520
-527,585
Net Income, GAAP
28.82
20.13
4.62
24.12
37.63
15.39
21.19
21.66
27.87
- -
29.75
- -
20.46
19.96
19.65
- -
26.68
Effective Tax Rate (%)
12.74
13.2
14.75
20.58
10.77
6.4
6.5
5.35
4.27
-5.65
2.86
-15.67
4.93
11.37
12.1
-44.01
-39.89
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
926,417
822,257
718,097
613,936
509,776
407,821
305,866
203,910
101,955
- -
200,000
200,000
200,000
200,000
200,000
200,000
200,000
LT Debt
1,054,458
1,154,341
1,937,327
2,588,472
2,691,006
2,765,770
4,424,389
4,507,912
4,587,111
4,536,235
3,559,535
3,953,949
4,004,370
4,171,033
4,339,696
3,801,121
3,825,237
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
14.22
14.71
15.27
13.99
5.06
3.08
2.88
2.48
1.89
-2.05
0.93
-8.62
2.57
6.56
6.38
-26.02
-23.77
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20,223
20,223
20,223
Market Capitalization
3,276,126
2,952,558
3,134,565

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
6,534,877
5,513,394
6,152,766
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
4.91%
1.63%
-12.41%
Free Cash Flow
-143.93%
-364.61%
-121.48%
Net Income, GAAP
-169.16%
-264.12%
-472.21%
Sales/Revenue/Turnover
3.07%
12.68%
2.36%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
286,973
336,540
310,001
326,306
1,259,820
2025
283,087
333,769
334,125
342,436
1,289,534
2026
312,123
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.82
- -
- -
- -
7.54
2025
0.92
- -
- -
- -
-28.06
2026
2.9
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PT Bank Artha Graha Internasional Tbk PT Bank Artha Graha Internasional Tbk (INPC.JK) is an Indonesia-based commercial bank engaged in general banking services. The bank operates through four segments including Productive, Consumer, Treasury, and Others; it offers productive loans such as working capital and investment financing, consumer loans encompassing mortgages and other credit facilities, other loan products, savings accounts comprising Artha Merchant Saving, Pintar Savings, Artha Savings, Wira Savings, demand deposits, and time deposits, alongside treasury services in money market and securities investments. E-banking solutions feature AGI Digital Apps, retail and corporate internet banking, virtual account and billing systems, payroll services, QRIS payments, ATMs, and additional conveniences like e-statements and safe deposit boxes; the bank primarily serves businesses, individuals, and micro, small, and medium enterprises (MSMEs) across Indonesia from its headquarters in South Jakarta, where it was founded in 1973 as PT Inter-Pacific Financial Corporation, listed on the Indonesia Stock Exchange since 1990, and renamed following a 2005 merger with PT Bank Artha Graha. Recent initiatives encompass digital transformation with enhanced mobile banking, internet banking, API integrations, and QRIS promotions to boost transaction volumes and MSME adoption, alongside new product launches including KPR ASG mortgage with special rates and collaborations such as empowering 14 local brands at Osaka Expo 2025 with Sarinah, supporting IWAPI women entrepreneurs' national meeting, and promoting financial literacy and food security programs; credit portfolio grew 18.74% to Rp12.15 trillion by end-2023 with net NPL at 0.31% and CAR of 24.96%.