Bank Victoria International
PT Bank Victoria International Tbk provides banking products and services in Indonesia. The company offers various savings accounts; foreign exchange, rupiah, and online deposits; bancassurance products and mutual funds; and investment products. It also provides loan products, such as home and car ownership loan, multi-purpose credit, and implant banking credit; corporate and commercial lending, … Read more
Bank Victoria International (BVIC) - Net Assets
Latest net assets as of September 2025: Rp4.37 Trillion IDR
Based on the latest financial reports, Bank Victoria International (BVIC) has net assets worth Rp4.37 Trillion IDR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rp34.33 Trillion) and total liabilities (Rp29.96 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rp4.37 Trillion |
| % of Total Assets | 12.74% |
| Annual Growth Rate | 18.77% |
| 5-Year Change | 48.75% |
| 10-Year Change | 86.09% |
| Growth Volatility | 24.01 |
Bank Victoria International - Net Assets Trend (2000–2024)
This chart illustrates how Bank Victoria International's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Bank Victoria International (2000–2024)
The table below shows the annual net assets of Bank Victoria International from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | Rp3.93 Trillion | +2.84% |
| 2023-12-31 | Rp3.82 Trillion | +3.36% |
| 2022-12-31 | Rp3.70 Trillion | +22.76% |
| 2021-12-31 | Rp3.01 Trillion | +13.99% |
| 2020-12-31 | Rp2.64 Trillion | -11.45% |
| 2019-12-31 | Rp2.99 Trillion | +6.43% |
| 2018-12-31 | Rp2.81 Trillion | -1.42% |
| 2017-12-31 | Rp2.85 Trillion | +8.38% |
| 2016-12-31 | Rp2.63 Trillion | +24.25% |
| 2015-12-31 | Rp2.11 Trillion | +20.11% |
| 2014-12-31 | Rp1.76 Trillion | +7.00% |
| 2013-12-31 | Rp1.64 Trillion | +11.95% |
| 2012-12-31 | Rp1.47 Trillion | +21.21% |
| 2011-12-31 | Rp1.21 Trillion | +63.21% |
| 2010-12-31 | Rp742.69 Billion | +18.01% |
| 2009-12-31 | Rp629.36 Billion | +19.21% |
| 2008-12-31 | Rp527.96 Billion | +30.82% |
| 2007-12-31 | Rp403.57 Billion | +31.09% |
| 2006-12-31 | Rp307.85 Billion | +95.40% |
| 2005-12-31 | Rp157.55 Billion | -14.91% |
| 2004-12-31 | Rp185.17 Billion | +39.55% |
| 2003-12-31 | Rp132.69 Billion | +60.79% |
| 2002-12-31 | Rp82.53 Billion | +20.87% |
| 2001-12-31 | Rp68.28 Billion | +7.73% |
| 2000-12-31 | Rp63.38 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank Victoria International's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 90477.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rp1.15 Trillion | 29.26% |
| Common Stock | Rp1.58 Trillion | 40.29% |
| Other Comprehensive Income | Rp529.20 Billion | 13.45% |
| Other Components | Rp668.37 Billion | 16.99% |
| Total Equity | Rp3.93 Trillion | 100.00% |
Bank Victoria International Competitors by Market Cap
The table below lists competitors of Bank Victoria International ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
HOFFMANN GR.CEM.TEC. 1-
F:0VW
|
$26.92 Million |
|
Minerva Neurosciences Inc
NASDAQ:NERV
|
$26.92 Million |
|
Wisekey International Holding AG
NASDAQ:WKEY
|
$26.93 Million |
|
NORSK TITANIUM NK-08
F:84F
|
$26.93 Million |
|
S-Fuelcell co. Ltd
KQ:288620
|
$26.91 Million |
|
CrownHaitai Holdings Co Ltd Preference Shares
KO:005745
|
$26.91 Million |
|
Verde Agritech Ltd.
OTCQX:VNPKF
|
$26.89 Million |
|
Agarwal Industrial Corporation Limited
NSE:AGARIND
|
$26.89 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Victoria International's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,824,785,010,000 to 3,933,459,658,000, a change of 108,674,648,000 (2.8%).
- Net income of 117,859,238,000 contributed positively to equity growth.
- Share repurchases of 284,205,000 reduced equity.
- Other comprehensive income decreased equity by 58,091,391,000.
- Other factors increased equity by 49,191,006,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rp117.86 Billion | +3.0% |
| Share Repurchases | Rp284.20 Million | -0.01% |
| Other Comprehensive Income | Rp-58.09 Billion | -1.48% |
| Other Changes | Rp49.19 Billion | +1.25% |
| Total Change | Rp- | 2.84% |
Book Value vs Market Value Analysis
This analysis compares Bank Victoria International's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.42x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.80x to 0.42x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | Rp130.61 | Rp104.00 | x |
| 2009-12-31 | Rp158.95 | Rp104.00 | x |
| 2010-12-31 | Rp183.38 | Rp104.00 | x |
| 2011-12-31 | Rp176.57 | Rp104.00 | x |
| 2012-12-31 | Rp182.24 | Rp104.00 | x |
| 2013-12-31 | Rp205.41 | Rp104.00 | x |
| 2014-12-31 | Rp225.27 | Rp104.00 | x |
| 2015-12-31 | Rp263.47 | Rp104.00 | x |
| 2016-12-31 | Rp354.84 | Rp104.00 | x |
| 2017-12-31 | Rp328.26 | Rp104.00 | x |
| 2018-12-31 | Rp323.61 | Rp104.00 | x |
| 2019-12-31 | Rp338.03 | Rp104.00 | x |
| 2020-12-31 | Rp295.39 | Rp104.00 | x |
| 2021-12-31 | Rp326.64 | Rp104.00 | x |
| 2022-12-31 | Rp313.71 | Rp104.00 | x |
| 2023-12-31 | Rp241.34 | Rp104.00 | x |
| 2024-12-31 | Rp248.19 | Rp104.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Victoria International utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.00%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 5.65%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 7.89x
- Recent ROE (3.00%) is below the historical average (6.70%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 7.18% | 5.23% | 0.08x | 17.38x | Rp-1.78 Billion |
| 2001 | 7.17% | 3.21% | 0.11x | 20.23x | Rp-1.93 Billion |
| 2002 | 7.44% | 2.54% | 0.16x | 18.85x | Rp-2.11 Billion |
| 2003 | 5.73% | 3.56% | 0.12x | 13.17x | Rp-5.66 Billion |
| 2004 | 12.70% | 9.55% | 0.12x | 10.83x | Rp5.00 Billion |
| 2005 | 12.78% | 8.84% | 0.11x | 13.41x | Rp4.38 Billion |
| 2006 | 9.76% | 10.39% | 0.10x | 9.41x | Rp-733.63 Million |
| 2007 | 12.28% | 12.52% | 0.08x | 13.06x | Rp9.20 Billion |
| 2008 | 6.68% | 6.44% | 0.10x | 10.65x | Rp-17.53 Billion |
| 2009 | 7.35% | 5.91% | 0.11x | 11.69x | Rp-16.70 Billion |
| 2010 | 14.38% | 10.21% | 0.10x | 13.88x | Rp32.53 Billion |
| 2011 | 15.46% | 19.30% | 0.08x | 9.74x | Rp66.19 Billion |
| 2012 | 13.99% | 17.70% | 0.08x | 9.77x | Rp58.65 Billion |
| 2013 | 14.86% | 15.11% | 0.08x | 11.66x | Rp79.94 Billion |
| 2014 | 6.01% | 4.89% | 0.10x | 12.14x | Rp-70.28 Billion |
| 2015 | 4.45% | 4.26% | 0.09x | 11.00x | Rp-117.29 Billion |
| 2016 | 3.82% | 4.06% | 0.10x | 9.90x | Rp-162.26 Billion |
| 2017 | 4.78% | 5.04% | 0.09x | 10.13x | Rp-148.54 Billion |
| 2018 | 2.82% | 3.18% | 0.08x | 10.75x | Rp-201.52 Billion |
| 2019 | -0.46% | -0.55% | 0.08x | 10.20x | Rp-312.41 Billion |
| 2020 | -9.54% | -11.95% | 0.08x | 9.92x | Rp-516.63 Billion |
| 2021 | -3.95% | -6.89% | 0.07x | 8.28x | Rp-420.50 Billion |
| 2022 | 6.11% | 13.12% | 0.07x | 7.01x | Rp-143.87 Billion |
| 2023 | 2.66% | 5.32% | 0.06x | 7.75x | Rp-280.66 Billion |
| 2024 | 3.00% | 5.65% | 0.07x | 7.89x | Rp-275.49 Billion |
Industry Comparison
This section compares Bank Victoria International's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $6,121,527,008,058
- Average return on equity (ROE) among peers: -2.22%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Victoria International (BVIC) | Rp4.37 Trillion | 7.18% | 6.85x | $26.92 Million |
| Bank Agris Tbk (AGRS) | $567.10 Billion | 0.69% | 6.44x | $17.52 Million |
| Bank Amar Indonesia (AMAR) | $3.18 Trillion | -4.89% | 0.42x | $6.61 Million |
| Bank Mnc Internasional Tbk (BABP) | $536.71 Billion | 3.85% | 10.82x | $7.22 Million |
| Bank Net Indonesia Syariah Tbk PT (BANK) | $950.85 Billion | 4.24% | 1.17x | $175.00 Million |
| Bank Central Asia Tbk (BBCA) | $12.63 Trillion | 18.94% | 9.55x | $20.04 Billion |
| Bk Harda Internasional Tbk Pt (BBHI) | $336.48 Billion | -36.60% | 5.73x | $251.65 Million |
| Bank Bukopin Tbk (BBKP) | $11.22 Trillion | -44.82% | 7.02x | $111.65 Million |
| Bank Mestika Dharma Tbk (BBMD) | $4.01 Trillion | 8.13% | 2.53x | $15.70 Million |
| Bank Rakyat Indonesia Persero (BBRI) | $27.26 Trillion | 26.81% | 10.63x | $15.34 Billion |
| PT Bank Bisnis Internasional Tbk (BBSI) | $538.46 Billion | 1.50% | 0.00x | $110.21 Million |