Bank Artha Graha Internasional
PT Bank Artha Graha Internasional Tbk provides various banking products and services in Indonesia. The company operates through four segments: Productive, Consumer, Treasury, and Others. It offers various savings accounts, and demand and time deposits, as well as working capital and investment, productive, consumer, and other loans. The company also provides e-banking services that include retail… Read more
Bank Artha Graha Internasional (INPC) - Net Assets
Latest net assets as of September 2025: Rp4.41 Trillion IDR
Based on the latest financial reports, Bank Artha Graha Internasional (INPC) has net assets worth Rp4.41 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 (Rp33.24 Trillion) and total liabilities (Rp28.83 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 | Rp4.41 Trillion |
| % of Total Assets | 13.27% |
| Annual Growth Rate | 21.02% |
| 5-Year Change | 21.92% |
| 10-Year Change | 56.91% |
| Growth Volatility | 51.99 |
Bank Artha Graha Internasional - Net Assets Trend (2000–2024)
This chart illustrates how Bank Artha Graha Internasional'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 Artha Graha Internasional (2000–2024)
The table below shows the annual net assets of Bank Artha Graha Internasional from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | Rp4.34 Trillion | +4.04% |
| 2023-12-31 | Rp4.17 Trillion | +4.16% |
| 2022-12-31 | Rp4.00 Trillion | +1.28% |
| 2021-12-31 | Rp3.95 Trillion | +11.08% |
| 2020-12-31 | Rp3.56 Trillion | -21.53% |
| 2019-12-31 | Rp4.54 Trillion | -1.11% |
| 2018-12-31 | Rp4.59 Trillion | +1.76% |
| 2017-12-31 | Rp4.51 Trillion | +1.89% |
| 2016-12-31 | Rp4.42 Trillion | +59.97% |
| 2015-12-31 | Rp2.77 Trillion | +1.71% |
| 2014-12-31 | Rp2.72 Trillion | +4.11% |
| 2013-12-31 | Rp2.61 Trillion | +34.82% |
| 2012-12-31 | Rp1.94 Trillion | +67.83% |
| 2011-12-31 | Rp1.15 Trillion | +9.47% |
| 2010-12-31 | Rp1.05 Trillion | +9.49% |
| 2009-12-31 | Rp963.07 Billion | +4.73% |
| 2008-12-31 | Rp919.53 Billion | +45.53% |
| 2007-12-31 | Rp631.85 Billion | +14.61% |
| 2006-12-31 | Rp551.29 Billion | +2.98% |
| 2005-12-31 | Rp535.32 Billion | +237.85% |
| 2004-12-31 | Rp158.45 Billion | +105.68% |
| 2003-12-31 | Rp77.04 Billion | +5.88% |
| 2002-12-31 | Rp72.76 Billion | +5.42% |
| 2001-12-31 | Rp69.02 Billion | +54.98% |
| 2000-12-31 | Rp44.53 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank Artha Graha Internasional'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 22211100000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rp222.11 Billion | 5.12% |
| Common Stock | Rp2.24 Trillion | 51.67% |
| Other Comprehensive Income | Rp1.46 Trillion | 33.64% |
| Other Components | Rp415.29 Billion | 9.57% |
| Total Equity | Rp4.34 Trillion | 100.00% |
Bank Artha Graha Internasional Competitors by Market Cap
The table below lists competitors of Bank Artha Graha Internasional ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
DOFRB
IS:DOFRB
|
$97.79 Million |
|
TONGDAO LIEP.GR. DL-0001
F:6WT
|
$97.80 Million |
|
Arman Financial Services Limited
NSE:ARMANFIN
|
$97.80 Million |
|
Humm Group Limited
F:F5L
|
$97.82 Million |
|
199430
KQ:199430
|
$97.77 Million |
|
EcoGraf Ltd
F:FMK
|
$97.75 Million |
|
VitaSpring Biomedical Co. Ltd
PINK:VSBC
|
$97.73 Million |
|
Saturn Metals Ltd
AU:STN
|
$97.73 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Artha Graha Internasional's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 4,171,033,000,000 to 4,339,696,000,000, a change of 168,663,000,000 (4.0%).
- Net income of 152,474,000,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 16,189,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rp152.47 Billion | +3.51% |
| Other Comprehensive Income | Rp16.19 Billion | +0.37% |
| Total Change | Rp- | 4.04% |
Book Value vs Market Value Analysis
This analysis compares Bank Artha Graha Internasional'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: 0.71x
- 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 1.43x to 0.71x 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 | Rp106.89 | Rp153.00 | x |
| 2009-12-31 | Rp111.96 | Rp153.00 | x |
| 2010-12-31 | Rp122.59 | Rp153.00 | x |
| 2011-12-31 | Rp134.62 | Rp153.00 | x |
| 2012-12-31 | Rp225.93 | Rp153.00 | x |
| 2013-12-31 | Rp199.56 | Rp153.00 | x |
| 2014-12-31 | Rp207.77 | Rp153.00 | x |
| 2015-12-31 | Rp211.32 | Rp153.00 | x |
| 2016-12-31 | Rp332.31 | Rp153.00 | x |
| 2017-12-31 | Rp285.38 | Rp153.00 | x |
| 2018-12-31 | Rp290.39 | Rp153.00 | x |
| 2019-12-31 | Rp287.18 | Rp153.00 | x |
| 2020-12-31 | Rp225.34 | Rp153.00 | x |
| 2021-12-31 | Rp195.52 | Rp153.00 | x |
| 2022-12-31 | Rp198.01 | Rp153.00 | x |
| 2023-12-31 | Rp206.25 | Rp153.00 | x |
| 2024-12-31 | Rp214.59 | Rp153.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Artha Graha Internasional 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): 3.51%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.64%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 6.94x
- Recent ROE (3.51%) is below the historical average (6.64%), 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 | 2.83% | 1.19% | 0.15x | 16.24x | Rp-3.18 Billion |
| 2001 | 35.56% | 27.24% | 0.12x | 10.45x | Rp17.60 Billion |
| 2002 | 5.14% | 5.85% | 0.12x | 7.28x | Rp-3.53 Billion |
| 2003 | 5.57% | 11.00% | 0.09x | 5.95x | Rp-3.40 Billion |
| 2004 | 51.43% | 273.36% | 0.11x | 1.73x | Rp65.59 Billion |
| 2005 | 4.21% | 2.18% | 0.10x | 20.27x | Rp-30.97 Billion |
| 2006 | 5.59% | 2.52% | 0.11x | 20.04x | Rp-24.33 Billion |
| 2007 | 2.39% | 1.45% | 0.09x | 17.86x | Rp-48.10 Billion |
| 2008 | 2.38% | 1.72% | 0.10x | 13.97x | Rp-70.07 Billion |
| 2009 | 4.35% | 2.51% | 0.11x | 16.02x | Rp-54.45 Billion |
| 2010 | 7.93% | 5.31% | 0.09x | 16.18x | Rp-21.78 Billion |
| 2011 | 8.70% | 5.83% | 0.09x | 16.62x | Rp-15.00 Billion |
| 2012 | 6.88% | 6.88% | 0.09x | 10.61x | Rp-60.38 Billion |
| 2013 | 8.53% | 11.00% | 0.10x | 8.11x | Rp-38.38 Billion |
| 2014 | 4.13% | 4.81% | 0.10x | 8.62x | Rp-159.55 Billion |
| 2015 | 2.58% | 2.82% | 0.10x | 9.08x | Rp-205.28 Billion |
| 2016 | 1.65% | 3.06% | 0.09x | 5.93x | Rp-369.60 Billion |
| 2017 | 1.51% | 2.74% | 0.09x | 6.15x | Rp-382.69 Billion |
| 2018 | 1.17% | 2.31% | 0.09x | 5.67x | Rp-405.09 Billion |
| 2019 | -1.29% | -2.80% | 0.08x | 5.63x | Rp-511.97 Billion |
| 2020 | 0.60% | 1.19% | 0.06x | 8.58x | Rp-334.58 Billion |
| 2021 | -4.25% | -9.14% | 0.07x | 6.61x | Rp-563.46 Billion |
| 2022 | 1.37% | 3.42% | 0.06x | 6.35x | Rp-345.44 Billion |
| 2023 | 3.52% | 8.18% | 0.07x | 6.26x | Rp-270.35 Billion |
| 2024 | 3.51% | 7.64% | 0.07x | 6.94x | Rp-281.50 Billion |
Industry Comparison
This section compares Bank Artha Graha Internasional'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 Artha Graha Internasional (INPC) | Rp4.41 Trillion | 2.83% | 6.53x | $97.79 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 |