Company Fundamentals - Financial Summary

Company Name Bank Amar Indonesia PT (AMAR.JK)

Country of Exchange Indonesia
Country of Headquarters Indonesia
TRBC Industry Group Banking Services
CF Template BNK
Consolidation Basis Consolidated
Scaling Millions
Period Annual
Export Date 19-12-2023
Statement Data 2022 2021 2020 2019 2018 2017 2016
Period End Date 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Standardized Currency IDR IDR IDR IDR IDR IDR IDR
Period Length 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months
Accounting Standard Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian
Financial Summary - Standardized (Currency: Indonesia Rupiah)
FCC Field Name 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Selected Income Statement Items
SIDI Interest & Dividend Income/(Expense) - Net - Finance 655,705 482,226 462,948 506,153 234,892 72,692 75,862
SNIB Non-Interest Business Revenue/(Expense) - Net - Total 266,401 202,244 173,472 127,696 49,347 21,927 10,291
STLR Revenue from Business Activities - Total 922,105 684,470 636,420 633,848 284,239 94,619 86,153
SLLP Provision & Impairment for Loan Losses 317,135 139,284 24,816 71,895
SSGA Selling, General & Administrative Expenses - Total 495,514 381,504 262,387 232,086 120,796 59,935 49,860
SOPR Operating Profit before Non-Recurring Income/Expense 426,591 302,966 374,032 84,628 24,158 9,867.6 -35,601
SICO Income before Discontinued Operations & Extraordinary Items -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
Selected Balance Sheet Items
SLRE Loans & Receivables - Total 2,109,582 2,242,889 1,624,104 1,891,376 1,286,157 324,817 304,584
STIV Investments - Total 761,717 752,110 403,699 137,844 147,750 196,161 71,368
ATOT Total Assets 4,505,046 5,203,045 4,057,989 3,452,515 1,856,522 846,147 548,062
STDP Deposits - Total 1,265,508 4,019,294 2,927,680 2,288,998 1,113,424 358,036 68,549
SQCM Common Equity - Total 3,176,199 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
STTAN Tangible Total Equity 3,172,837 1,062,193 1,066,765 1,078,087 485,499 478,115 471,723
SAIRN Earning Assets 4,329,098 4,967,212 3,937,215 3,292,784 1,779,890 814,281 513,012
Selected Cash Flow Items
STLO Net Cash Flow from Operating Activities -2,707,467 485,696 749,907 614,822 3,113.4 30,097 -10,278
SCAP Capital Expenditures - Net - Cash Flow 2,588.4 7,040.5 4,651.1 7,180.0 4,084.5 1,123.9 1,234.3
SNCC Net Change in Cash - Total -431,552 170,226 460,628 912,581 216,679 -7,756.1 63,102
Selected Per Share Data
SCSPS Book Value per Share 154.2 89.08 89.12 90.07 40.58 39.98 39.46
STCPS Tangible Book Value per Share 154.1 88.72 89.10 90.04 40.55 39.93 39.40
SDCOC EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SDWSC Shares used to calculate Diluted EPS - Total 20,052 11,973 11,973 9,891.3 11,973 11,973 11,973
DivYieldGrossI Dividend Yield - Common Stock - Gross - Issue Specific - % 0.0% 0.0% 1.4%
DivYieldI Dividend Yield - Common Stock - Net - Issue Specific - % 0.0% 0.0% 1.1%
Profitability / Return
BnkNetIntMar Interest & Dividend Income/(Expense) - Net - Finance Percentage of Earning Assets 14.11 10.83 12.81 19.96 18.11 10.95
REFRO Efficiency Ratio - % 37.1% 43.2% 68.2% 58.8%
RIBTM Income before Tax Margin - % 22.0% 0.1% 4.1% 12.9% 7.8% 5.6% 42.2%
RINTR Income Tax Rate - % -405.2% 67.1% 24.6% 26.8% 29.5%
RNIMAR Net Margin - % 16.9% 0.6% 1.4% 9.7% 5.7% 3.9% 32.1%
Return on Average Common Equity - % (Income available to Common excluding Extraordinary
RetOnSTCSE Items) 7.3% 0.4% 0.8% 7.9% 3.4% 0.8%
RetOnEarnAssts Return on Earning Assets - % 3.3% 0.1% 0.2% 2.4% 1.3% 0.6%
Return on Average Total Assets - % (Income before Discontinued Operations & Extraordinary
RetOnTotAst Items) 3.2% 0.1% 0.2% 2.3% 1.2% 0.5%
Growth
SIDI Interest & Dividend Income/(Expense) - Net - Finance 655,705 482,226 462,948 506,153 234,892 72,692 75,862
SNIB Non-Interest Business Revenue/(Expense) - Net - Total 266,401 202,244 173,472 127,696 49,347 21,927 10,291
STLR Revenue from Business Activities - Total 922,105 684,470 636,420 633,848 284,239 94,619 86,153
SDCOC EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
STCOC Common Shares - Outstanding - Total 20,593 11,973 11,973 11,973 11,973 11,973 11,973
STDP Deposits - Total 1,265,508 4,019,294 2,927,680 2,288,998 1,113,424 358,036 68,549
SLRE Loans & Receivables - Total 2,109,582 2,242,889 1,624,104 1,891,376 1,286,157 324,817 304,584
ATOT Total Assets 4,505,046 5,203,045 4,057,989 3,452,515 1,856,522 846,147 548,062
Capital Ratio
STCR Capital Adequacy - Total (%) 82.3% 29.9% 45.3% 55.6% 42.4% 84.9% 125.9%
STR1 Capital Adequacy - Tier 1 (%) 81.7% 29.2% 44.6% 54.8% 41.6% 84.4% 125.3%
STRC1 Capital Adequacy - Core Tier 1 (%) 81.7% 29.2% 44.6% 54.8% 41.6% 84.4%
STR2 Capital Adequacy - Tier 2 (%) 0.6% 0.7% 0.8% 0.8% 0.8% 0.5% 0.6%
SRWA Risk Weighted Assets 3,807,812 3,513,496 2,309,850 1,892,006 1,127,387 557,317 368,846
SRLC Liquidity Coverage Ratio - Basel 3 - % 2,783.7%
SRLB Leverage Ratio - Basel 3 - % 73.7%
SRSF Net Stable Funding Ratio - Basel 3 - % 157.2% 164.4%
Banking - Other Metrics
RLLTL Reserves for Loan Losses - Total Percentage of Loans - Gross - Total 4.28 3.89 2.74 5.03 4.72 2.93 3.47
RLL2NPL Reserves for Loan Losses - Total to Loans - Non-Performing & Impaired 1.11 1.04 2.12 1.73 1.12 0.62 0.73
RRLTA Reserves for Loan Losses - Total Percentage of Total Assets 3.3% 3.1% 2.3% 4.6% 4.1% 2.1% 2.8%
RNLTL Loans - Non-Performing & Impaired Percentage of Loans - Gross - Total 3.9% 3.7% 1.3% 2.9% 4.2% 4.7% 4.7%
RNPLCE Loans - Non-Performing & Impaired Percentage of Shareholders Equity - Common 4.3% 14.7% 4.0% 8.6% 13.9% 5.9% 4.4%
RNPLLR Loans - Non-Performing & Impaired Percentage of Reserves for Loan Losses - Total 90.3% 95.9% 47.2% 57.8% 89.1% 161.0% 136.4%
RTLOTA Loans - Gross - Total Percentage of Total Assets 77.52 80.43 82.19 92.21 86.56 71.19 80.97
REPLD Loans to Deposits (End of Period) 2.64 1.00 1.11 1.32 1.38 1.63 6.25
RLLCR Loan Loss Coverage Ratio -0.36 0.01 0.07 1.96
Financial Strength / Leverage
RTDTA Total Debt Percentage of Total Assets 0.2% 0.2% 0.0% 11.6% 0.0% 0.0%
RTDTC Total Debt Percentage of Total Capital 0.2% 0.8% 0.0% 30.6% 0.0% 0.0%
RTDTE Total Debt Percentage of Total Equity 0.2% 0.8% 0.0% 44.1% 0.0% 0.0%
EarnRetenRate Earnings Retention Rate 1.00 -2.57 1.00 1.00 1.00
PayoutRatio Dividend Payout Ratio - % 0.0% 357.5% 0.0% 0.0% 0.0%
DivCover Dividend Coverage - % 28.0%
 Company Fundamentals - Income Statement
Company Name Bank Amar Indonesia PT (AMAR.JK)
Country of Exchange Indonesia
Country of Headquarters Indonesia
TRBC Industry Group Banking Services
CF Template BNK
Consolidation Basis Consolidated
Scaling Millions
Period Annual
Export Date 19-12-2023
Statement Data 2022 2021 2020 2019 2018 2017 2016
Period End Date 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Standardized Currency IDR IDR IDR IDR IDR IDR IDR
Period Length 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months
Accounting Standard Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian
Income Statement - Standardized (Currency: Indonesia Rupiah)
FCC Field Name 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Revenues
SIDI Interest & Dividend Income/(Expense) - Net - Finance 655,705 482,226 462,948 506,153 234,892 72,692 75,862
SIDT Interest & Dividend Income - Finance - Total 774,703 702,234 652,086 651,967 306,949 85,271 80,567
SIIL Interest Income - Loans/Deposits 748,526 669,551 633,678 644,425 299,392 78,546 76,352
SIFL Interest & Fees on Loans & Receivables 714,887 629,192 586,703 596,456 288,192 66,154 67,317
SIDF Interest Income - Deposits to Other Financial Institutions 33,640 40,360 46,974 47,969 11,200 12,392 9,035.7
SDIS Interest & Dividend Income - Investment Securities - Finance 24,960 31,563 17,874 7,231.8 7,365.1 6,568.8 4,035.1
Interest & Dividend Income - Investment Securities Available for Sale/Held to
SIDS Maturity - Finance 24,960 31,563 17,874 7,231.8 7,365.1 6,568.8 4,035.1
SIOD Interest & Dividend Income - Other - Finance 1,216.9 1,118.8 534.0 309.9 191.7 155.8 179.5
SIET Interest Expense - Finance - Total 118,998 220,007 189,138 145,814 72,058 12,579 4,704.8
SEOF Interest Expense - Operational Financing - Business 118,998 220,007 189,138 140,239 64,414 12,579 4,704.8
SDPI Interest Expense - Deposits 113,645 213,674 184,073 136,855 62,579 12,213 4,570.3
SEOI Interest Expenses - Other - Total 5,353.3 6,332.7 5,064.7 3,384.4 1,835.7 365.7 134.5
SIED Interest Expense - External Financing Business 5,575.0 7,643.3 0 0
SNIB Non-Interest Business Revenue/(Expense) - Net - Total 266,401 202,244 173,472 127,696 49,347 21,927 10,291
SGIL Investments & Loans - Business - Gain/(Loss) 0 0 151.9
SGLS Investment Securities - Business - Gain/(Loss) 0 0 151.9
SGLI Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 0 0 151.9
SOFB Business-Related Financing Revenue - Other 266,401 202,244 173,472 127,696 49,347 21,927 10,139
STLR Revenue from Business Activities - Total 922,105 684,470 636,420 633,848 284,239 94,619 86,153
Operating Expenses
SLLP Provision & Impairment for Loan Losses 317,135 139,284 24,816 71,895
SSGA Selling, General & Administrative Expenses - Total 495,514 381,504 262,387 232,086 120,796 59,935 49,860
SSGU Selling, General & Administrative Expenses - Unclassified 120,436 113,134 74,579 57,346 26,528 13,031 10,917
Labor & Related Expenses including Stock-Based Compensation in Selling, General &
SLAS Administrative Expenses 187,342 172,363 145,002 118,684 58,773 27,252 20,642
SDES Depreciation in Selling, General & Administrative Expenses 10,293 12,105 12,862 4,371.6 2,042.3 1,576.6 1,736.8
SAMS Amortization of Intangibles in Selling, General & Administrative Expenses 1,336.3 934.0 54.78 192.8 259.5 250.0 231.2
SSGO Selling, General & Administrative Expenses - Other - Total 176,107 82,967 29,889 51,491 33,193 17,825 16,332
SADE Advertising Expense 165,627 73,730 33,287 20,542 8,352.7 7,357.6 9,364.7
SPTX Property & Other Taxes 1,601.4 243.9 262.4
SRXP Rental Expense 5,356.4 3,948.5 1,989.7 8,767.7 5,637.1 4,367.5 3,511.4
SOET Operating Expenses - Total 495,514 381,504 262,387 549,220 260,080 84,751 121,754
Operating Profit
SOPR Operating Profit before Non-Recurring Income/Expense 426,591 302,966 374,032 84,628 24,158 9,867.6 -35,601
Non-Operating Expenses
SFAS Sale of Tangible & Intangible Fixed Assets - Gain/(Loss) 0 0 80.00 110.0 0 510.2
SNEI Other Non-Operating Income/(Expense) - Total -983.0 -6,228.0 -3,175.7 -3,201.1 -2,008.2 -4,577.5 -1,298.3
SNPX Normalized Pre-tax Profit 425,608 296,738 370,857 81,507 22,260 5,290.1 -36,389
Non-Recurring Income/Expense
SGLN Non-Recurring Income/(Expense) - Total -628,218 -295,923 -344,751 0
SIVO Impairment - Financial Investments 628,218 295,923 344,751 0
Pre-Tax Income
SIBT Income before Taxes -202,610 814.5 26,106 81,507 22,260 5,290.1 -36,389
Taxes
STAX Income Taxes -47,229 -3,300.5 17,520 20,080 5,969.7 1,558.2 -8,728.5
SCTX Income Taxes for the Year - Current 0 490.6 5,821.9 45,346 11,287 0 0
SCID Income Taxes - Domestic - Current 0 490.6 5,821.9 45,346 11,287 0 0
SDTR Income Taxes - Deferred -47,229 -3,791.1 11,698 -25,266 -5,317.4 1,558.2 -8,728.5
SDID Income Taxes - Domestic - Deferred -47,229 -3,791.1 11,698 -25,266 -5,317.4 1,558.2 -8,728.5
Net Income After Tax
SIAT Net Income after Tax -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
After Tax Income/Expense
SICO Income before Discontinued Operations & Extraordinary Items -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
SIBM Net Income before Minority Interest -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
Net Income
SNIC Net Income after Minority Interest -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
SNIS Income Available to Common Shares -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
Other Comprehensive Income
SOCS Other Comprehensive Income - Starting Line -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
SCGL Other Comprehensive Income - Unrealized Investment Gain/(Loss) -6,368.4 -6,569.4 8,203.6 3,039.4 -12,726 3,665.6 -323.2
SCPP Other Comprehensive Income - Pension Related 1,529.6 906.1 -627.7 -623.6 607.4 -341.4 -60.91
SITC Other Comprehensive Income - Income Tax 1,064.5 1,101.8 -1,516.7 -604.0 3,029.6 -831.0 96.02
SCOP Other Comprehensive Income - Net of Tax - Total -3,774.2 -4,561.6 6,059.3 1,811.9 -9,088.8 2,493.1 -288.1
SCIB Comprehensive Income before Minority Interest - Total -159,155 -446.5 14,645 63,238 7,201.8 6,225.1 -27,949
SCIE Comprehensive Income - Attributable to Parent Company Equity Holders - Total -159,155 -446.5 14,645 63,238 7,201.8 6,225.1 -27,949
Share/Per Share - Basic
BINCC Net Income - Basic - including Extraordinary Items Applicable to Common - Total -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
SNCN Income available to Common excluding Extraordinary Items -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
SBASC Shares used to calculate Basic EPS - Total 20,052 11,973 11,973 9,891.3 11,973 11,973 11,973
SBAIC EPS - Basic - including Extraordinary Items Applicable to Common - Total -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SBCOC EPS - Basic - excluding Extraordinary Items Applicable to Common - Total -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SBESC EPS - Basic - excluding Extraordinary Items - Normalized - Total 23.58 25.06 29.51 6.21 1.36 0.31 -2.31
BINCI Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
BEAFI Earnings Allocation Factor - Basic - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00
SBASI Shares used to calculate Basic EPS - Issue Specific 20,052 11,973 11,973 9,891.3 11,973 11,973 11,973
SBAII EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SBCOI EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SBESI EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific 23.58 25.06 29.51 6.21 1.36 0.31 -2.31
SEPSXB EPS - Basic from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0
SCBEI Comprehensive Earnings Per Share - Basic - Issue Specific -7.94 -0.04 1.22 6.39 0.60 0.52 -2.33
Share/Per Share - Diluted
DINCC Net Income - Diluted - including Extraordinary Items Applicable to Common - Total -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
SNCND Diluted Income available to Common excluding Extraordinary Items -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
SDWSC Shares used to calculate Diluted EPS - Total 20,052 11,973 11,973 9,891.3 11,973 11,973 11,973
SDAIC EPS - Diluted - including Extraordinary Items Applicable to Common - Total -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SDCOC EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SDESC EPS - Diluted - excluding Extraordinary Items - Normalized - Total 23.58 25.06 29.51 6.21 1.36 0.31 -2.31
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue
DINNCI Specific -155,381 4,115.0 8,586.1 61,427 16,291 3,732.0 -27,661
DEAFI Earnings Allocation Factor - Diluted - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00
SDWSI Shares used to calculate Diluted EPS - Issue Specific 20,052 11,973 11,973 9,891.3 11,973 11,973 11,973
SDAII EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SDCOI EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific -7.75 0.34 0.72 6.21 1.36 0.31 -2.31
SDESI EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific 23.58 25.06 29.51 6.21 1.36 0.31 -2.31
SEPSXD EPS - Diluted from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0
SCDEI Comprehensive Earnings Per Share - Diluted - Issue Specific -7.94 -0.04 1.22 6.39 0.60 0.52 -2.33
Share/Per Share - Dividends
SDPSGI DPS - Common - Gross - Issue - By Announcement Date 0 0 2.56 0 0 0 0
SDPSNI DPS - Common - Net - Issue - By Announcement Date 0 0 2.18 0 0 0 0
EBIT/EBITDA & related
SEBIT Earnings before Interest & Taxes (EBIT) 426,591 302,966 374,032 84,628 24,158 9,867.6 -35,601
SEBITDA Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 438,220 316,005 386,949 89,192 26,460 11,694 -33,633
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease
SEBITDAL Payments 443,577 319,954 388,939 97,960 32,097 16,062 -30,122
Depreciation/Amortization - Income Statement
SDEA Depreciation & Amortization - Supplemental 7,824.9 13,039 12,917 4,564.4 2,301.8 1,826.5 1,968.0
SDPR Depreciation Expense - Total - Supplemental 6,488.7 12,105 12,862 4,371.6 2,042.3 1,576.6 1,736.8
SDLR Depreciation - Fin Lease Right-of-Use Assets - Total - Suppl 6,488.7 8,061.7 8,065.0
SAMR Amortization - Total - Supplemental 1,336.3 934.0 54.78 192.8 259.5 250.0 231.2
SAOI Intangible Amortization - Other - Supplemental 1,336.3 934.0 54.78 192.8 259.5 250.0 231.2
SASW Amortization of Computer Software - Supplemental 1,336.3 934.0 54.78 192.8 259.5 250.0 231.2
Depreciation/Amortization - Total
STDAE Depreciation, Depletion & Amortization - Total 11,629 13,039 12,917 4,564.4 2,301.8 1,826.5 1,968.0
STDEP Depreciation - Total 10,293 12,105 12,862 4,371.6 2,042.3 1,576.6 1,736.8
STAMO Amortization of Intangible Assets excluding Goodwill - Total 1,336.3 934.0 54.78 192.8 259.5 250.0 231.2
Islamic
Labor & Related Expenses
SLAR Labor & Related Expenses - Total 187,342 172,363 145,002 118,684 58,773 27,252 20,642
SVLAR Labor & Related Expenses - Supplemental 187,342 172,363 145,002 118,684 58,773 27,252 20,642
Auditor Fees
Non-GAAP
Normalized
SNAT Normalized after Tax Profit 472,837 300,038 353,337 61,427 16,291 3,732.0 -27,661
SNCO Normalized Net Income from Continuing Operations 472,837 300,038 353,337 61,427 16,291 3,732.0 -27,661
SIBL Normalized Net Income - Bottom Line 472,837 300,038 353,337 61,427 16,291 3,732.0 -27,661
SNEBIT Earnings before Interest & Taxes (EBIT) - Normalized 425,608 296,738 370,857 81,507 22,260 5,290.1 -36,389
SNEBITDA Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 437,237 309,777 383,774 86,071 24,562 7,116.6 -34,421
Loan Losses
SNLL Loan Losses - Net 556,441 151,331 368,755 203,560 -6,236.7 -451.2 -515.0
SARC Loan Recoveries - Actual 84,675 70,967 43,765 29,265 6,236.7 5,358.5 515.0
SALL Loan Losses - Actual 641,116 222,299 412,521 232,825 0 4,907.3 0
Lease Expenses
SVDLR Depreciation of Financial Lease ROU Assets - Supplemental 6,488.7
SVIFL Interest Expense on Financial Lease Liabilities - Supple 572.7
Other
SROL Rental/Operating Lease Expense 5,356.4 3,948.5 1,989.7 8,767.7 5,637.1 4,367.5 3,511.4
SADV Advertising Expenses - Supplemental 165,627 73,730 33,287 20,542 8,352.7 7,357.6 9,364.7
SIAL Interest & Dividend Income after Loan Loss Provision - Net - Finance 655,705 482,226 462,948 189,018 95,607 47,876 3,967.3
SNRL Revenue after Loan Provisions - Net - Finance 334,832 167,665 60,455 8,672.1
SINTEX Interest Expense 118,998 220,007 189,138 145,814 72,058 12,579 4,704.8
SINVG Investment Gain/(Loss) 0 0 151.9
SNIE Non-Interest Expense - Bank 235,207 122,694 64,513 50,648
SOPEX Operating Expenses 495,514 381,504 262,387 549,220 260,080 84,751 121,754
SGAXRD Selling, General & Administrative Expenses excluding Research & Development Expenses 495,514 381,504 262,387 232,086 120,796 59,935 49,860
Employees
SEAV Employees - Average 873.0 1,237.0 1,182.0 928.0 446.0 231.0 215.0
Japan Specific
Funds From Operations
 Company Fundamentals - Balance Sheet
Company Name Bank Amar Indonesia PT (AMAR.JK)
Country of Exchange Indonesia
Country of Headquarters Indonesia
TRBC Industry Group Banking Services
CF Template BNK
Consolidation Basis Consolidated
Scaling Millions
Period Annual
Export Date 19-12-2023
Statement Data 2022 2021 2020 2019 2018 2017 2016
Period End Date 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Standardized Currency IDR IDR IDR IDR IDR IDR IDR
Accounting Standard Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian
Balance Sheet - Standardized (Currency: Indonesia Rupiah)
FCC Field Name 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Assets
SCDK Cash & Short-Term Deposits Due from Banks - Total 224,686 110,514 99,360 131,516 101,038 33,412 13,241
SCDB Cash & Short-Term Deposits Due from Banks 6,637.6 4,764.1 3,061.1 3,170.7 3,293.6 3,101.5 3,085.4
SFCB Funds with Central Banks 218,048 105,750 96,299 128,345 97,745 30,310 10,156
SDBN Lending & Long-Term Deposits Due from Banks 1,233,114 1,778,834 1,619,715 1,132,048 244,945 259,892 123,818
SLDO Inter-Bank Loans & Long-Term Deposits with Other Banks 408,114 1,588,834 779,715 522,048 174,945 259,892 123,818
SMMP Money Market Placements 825,000 190,000 840,000 610,000 70,000
SASB Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets 0 82,865 190,337
SPFS Securities Purchased under REPOs & Federal Funds Sold 0 82,865 190,337
SRPO Securities Purchased under REPOs 0 82,865 190,337
SLRE Loans & Receivables - Total 2,109,582 2,242,889 1,624,104 1,891,376 1,286,157 324,817 304,584
SNBL Banking Related Loans - Net 2,109,582 2,242,889 1,624,104 1,891,376 1,286,157 324,817 304,584
SLTG Loans - Gross 2,258,977 2,405,869 1,715,509 2,051,559 1,362,029 342,446 319,973
SLCI Loans - Consumer & Installment 582,029 846,116 589,246 788,914 527,283 141,071 94,029
SCIL Loans - Commercial & Industrial 1,550,225 1,368,111 834,015 962,785 337,706 162,050 212,468
SBFL Loans - Broker & Financial Institutions 105,113 175,063 200,995 247,020 337,892 27,653 0
SBLO Loans - to Customers - Other - Gross 11,094 5,953.2 68,361 15,819 0 790.3 2,550.5
SREL Loans - Mortgage/Real Estate 10,516 10,625 22,892 37,021 159,149 10,882 10,926
SRLL Reserves for Loan Losses 149,394 162,979 91,405 160,182 75,873 17,630 15,389
STIV Investments - Total 761,717 752,110 403,699 137,844 147,750 196,161 71,368
STIS Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 719,975 677,625 367,139 101,434 88,655 104,859 64,623
SAFS Investment Securities Available for Sale & Held to Maturity 346,658 677,625 367,139 101,434 88,655 104,859 64,623
SSFS Investment Securities - Available for Sale - Total 254,177 584,924 274,235 15,124 88,655 100,877 51,633
SGOH Government Securities - Available for Sale/Held to Maturity 3,982.8 2,983.2
SOFV Investment Securities - Designated at Fair Value - Other 373,317
SVPT Investment Property 41,742 74,485 36,560 36,410 59,095 91,301 6,745.2
SPPE Property, Plant & Equipment - Net - Total 20,507 23,661 25,602 14,358 11,580 9,506.3 9,830.3
SPPC Property, Plant & Equipment - Gross - Total 55,842 55,102 45,087 29,047 22,112 18,342 17,089
SDPP Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 35,335 31,441 19,485 14,688 10,532 8,835.3 7,258.8
SOAT Other Assets - Total 152,078 207,781 94,906 145,052 64,649 21,775 24,467
STDF Deferred Charges 87.61 2,439.4 4,399.0 1,722.5 2,095.8 726.0 1,303.7
SDTT Deferred Tax - Asset - Long-Term & Short-Term 79,317 31,024 26,131 40,951 16,289 7,942.2 10,331
SPPT Prepaid Expenses - Total 57,302 170,479 61,004 99,060 43,801 12,753 12,499
SOAO Other Assets 15,371 3,839.1 3,371.7 3,317.6 2,462.6 354.1 332.8
SINN Intangible Assets - Total - Net 3,362.6 4,390.8 266.2 321.0 403.4 584.8 752.5
STIN Intangible Assets - excluding Goodwill - Net - Total 3,362.6 4,390.8 266.2 321.0 403.4 584.8 752.5
SNCS Computer Software - Intangible Assets - Net 3,362.6 4,390.8 266.2 321.0 403.4 584.8 752.5
SING Intangible Assets - Gross - Total 7,270.9 6,962.8 1,904.2 1,904.2 1,793.8 1,716.0 1,633.8
STIG Intangible Assets - excluding Goodwill - Gross 7,270.9 6,962.8 1,904.2 1,904.2 1,793.8 1,716.0 1,633.8
SCSG Computer Software - Intangible Assets - Gross 7,270.9 6,962.8 1,904.2 1,904.2 1,793.8 1,716.0 1,633.8
SINA Intangible Assets - Accumulated Amortization & Impairment - Total 3,908.3 2,572.0 1,638.0 1,583.2 1,390.5 1,131.2 881.3
STIA Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total 3,908.3 2,572.0 1,638.0 1,583.2 1,390.5 1,131.2 881.3
SCSS Computer Software - Intangible Assets - Accumulated Amortization & Impairment 3,908.3 2,572.0 1,638.0 1,583.2 1,390.5 1,131.2 881.3
Total Assets
ATOT Total Assets 4,505,046 5,203,045 4,057,989 3,452,515 1,856,522 846,147 548,062
Liabilities
STDP Deposits - Total 1,265,508 4,019,294 2,927,680 2,288,998 1,113,424 358,036 68,549
SIBD Deposits - Non-Interest Bearing 27,627 1,047,389 23,686 17,677 13,302 14,450 10,037
SNID Deposits - Interest Bearing 978,679 2,132,210 2,271,150 1,813,485 1,083,022 343,586 58,512
SDDB Deposits - Due to Banks & Financial Institutions 259,203 839,696 632,844 457,836 17,100 0 0
SLSD Debt - Total 7,050.2 8,168.7 0 214,429 0 0
SSTD Short-Term Debt & Current Portion of Long-Term Debt 214,429 0 0
SCLD Current Portion of Long-Term Debt including Capitalized Leases 214,429 0 0
SCDE Current Portion of Long-Term Debt excluding Capitalized Leases 214,429 0 0
SLTD Debt - Long-Term - Total 7,050.2 8,168.7 0 0 0 0
SDXL Long-Term Debt excluding Capitalized Leases 0 0 0 0
LNCD Debt - Non-Convertible - Long-Term 0 0 0 0
SLCL Capitalized Lease Obligations - Long-Term 7,050.2 8,168.7
STXB Income Taxes - Payable - Long-Term & Short-Term 2,635.3 5,140.1 4,448.3 23,917 13,448 582.8 293.9
SPAB Payables & Accrued Expenses 32,069 90,331 48,007 53,209 24,454 5,694.3 4,537.7
SNPB Interest Payable 2,502.2
SAEA Accrued Expenses 29,566 90,331 48,007 53,209 24,454 5,694.3 4,537.7
SLBO Other Liabilities - Total 21,584 13,526 10,822 7,982.9 4,865.8 3,134.1 2,206.5
SPRV Provisions 13,699 13,526 10,822 7,982.9 4,865.8 3,134.1 2,206.5
SPET Post Employment Benefits - Pension & Other 13,699 13,526 10,822 7,982.9 4,865.8 3,134.1 2,206.5
SOOL Other Liabilities 7,885.0
Total Liabilities
STLB Total Liabilities 1,328,846 4,136,461 2,990,958 2,374,107 1,370,620 367,447 75,587
Shareholders' Equity
QTEP Shareholders' Equity - Attributable to Parent Shareholders - Total 3,176,199 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
QCEP Common Equity Attributable to Parent Shareholders 3,176,199 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
SCOM Common Equity - Contributed 2,025,378 1,029,268 1,029,268 1,029,268 500,000 500,000 500,000
SCMS Common Stock - Issued & Paid 1,382,037 803,510 803,510 803,510 500,000 500,000 500,000
SPIC Common Stock - Additional Paid in Capital including Option Reserve 643,340 225,758 225,758 225,758 0 0 0
SRES Equity - Non-Contributed - Reserves & Retained Earnings 1,150,822 37,317 37,763 49,141 -14,098 -21,300 -27,525
SRED Retained Earnings - Total -119,270 36,111 31,996 54,395 -7,031.1 -23,322 -27,054
SACI Comprehensive Income - Accumulated - Total -2,568.6 1,205.6 5,767.1 -5,254.9 -7,066.8 2,022.0 -471.1
SUGC Investments - Unrealized Gain/Loss -3,692.6 1,274.7 6,562.9 -4,962.8 -7,242.3 2,302.0 -447.2
SPLC Comprehensive Income - Pension Liabilities 1,124.0 -69.11 -795.7 -292.1 175.6 -280.0 -23.90
SORE Other Reserves/Equity - Total 1,272,661
SQCM Common Equity - Total 3,176,199 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
Total Shareholders' Equity
STLE Total Shareholders' Equity - including Minority Interest & Hybrid Debt 3,176,199 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
Total Liabilities & Shareholders' Equity
STBL Total Liabilities & Equity 4,505,046 5,203,045 4,057,989 3,452,515 1,856,522 846,147 548,062
Share/Per Share - Common
STCIC Common Shares - Issued - Total 20,593 11,973 11,973 11,973 11,973 11,973 11,973
STCOC Common Shares - Outstanding - Total 20,593 11,973 11,973 11,973 11,973 11,973 11,973
STCTC Common Shares - Treasury - Total 0 0 0 0 0 0 0
STCAI Common Shares - Authorized - Issue Specific 74,504 29,801,503 29,802 29,802
STCII Common Shares - Issued - Issue Specific 20,593 11,973 11,973 11,973 11,973 11,973 11,973
STCOI Common Shares - Outstanding - Issue Specific 20,593 11,973 11,973 11,973 11,973 11,973 11,973
STCTI Common Shares - Treasury - Issue Specific 0 0 0 0 0 0 0
Share/Per Share - Preferred
Share/Per Share - Other
SAAFI Asset Allocation Factor - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Right of Use Tangible Assets
SRTNS Right of Use Tangible Assets - Total - Net - Supplemental 9,880.1 11,511 11,389
SRFNS Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 9,880.1 11,511 11,389
SRTCS Right of Use Tangible Assets - Total - Gross - Supplemental 18,311 19,638
SRFGS Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental 18,311 19,638
SRTDS Right of Use Tangible Assets - Total - Accumulated Depreciation - Supplemental 8,431.2 8,126.7
Right of Use Tangible Assets - Capital/Finance Lease - Accumulated Depreciation -
SDRFS Supplemental 8,431.2 8,126.7
SPXR Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net 10,627 12,151 14,212
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases -
SXRC Gross 37,530 35,465
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases -
SDXR Accumulated Depreciation 26,903 23,314
Right of Use Liabilities
STFL Finance and Operating Lease Liabilities - Total 7,050.2 8,168.7
Debt Related
SSND Net Debt -217,636 -102,345 -99,360 -131,516 113,390 -33,412 -13,241
Islamic
Debt Maturity
Capital Lease Maturity
Weighted Average Leases
Other
SASAC Asset Accruals -6,637.6 -4,764.1 -3,061.1 -3,170.7 -3,293.6 -3,101.5 -3,085.4
SCASH Cash & Cash Equivalents - Total 224,686 110,514 99,360 131,516 101,038 33,412 13,241
SCSEK Cash & Securities 986,403 945,488 693,396 269,360 248,788 229,573 84,610
SCSTI Cash & Short Term Investments - Total 224,686 110,514 99,360 131,516 101,038 33,412 13,241
STDBT Debt - including Preferred Equity & Minority Interest - Total 7,050.2 8,168.7 0 214,429 0 0
SAIRN Earning Assets 4,329,098 4,967,212 3,937,215 3,292,784 1,779,890 814,281 513,012
SINVT Invested Assets - Total 761,717 752,110 403,699 137,844 147,750 196,161 71,368
SINVS Investment Securities 719,975 677,625 367,139 101,434 88,655 104,859 64,623
SNBKC Net Book Capital 2,958,564 964,239 967,671 946,892 599,292 445,288 459,234
SNOPA Net Operating Assets 2,958,564 964,239 967,671 946,892 599,292 445,288 459,234
SPROV Provisions - Total 13,699 13,526 10,822 7,982.9 4,865.8 3,134.1 2,206.5
STCSE Shareholders Equity - Common 3,176,199 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
STTAN Tangible Total Equity 3,172,837 1,062,193 1,066,765 1,078,087 485,499 478,115 471,723
SQTAN Tangible Book Value 3,172,837 1,062,193 1,066,765 1,078,087 485,499 478,115 471,723
STBKC Total Book Capital 3,183,250 1,074,753 1,067,031 1,078,408 700,331 478,700 472,475
STCAP Total Capital 3,183,250 1,074,753 1,067,031 1,078,408 700,331 478,700 472,475
STLTC Total Long Term Capital 3,176,199 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
STCSEO Book Value excluding Other Equity 1,903,539 1,066,584 1,067,031 1,078,408 485,902 478,700 472,475
Shareholders
Operating Lease Maturity
Risk Related
SCXP Credit Exposure 1,715,509
Capital Adequacy
SVTCC Capital Adequacy - Total (Value) 3,133,697 1,048,630 1,047,384 1,052,804 478,327 472,958 464,364
STC1 Capital Adequacy - Tier 1 (Value) 3,109,668 1,024,165 1,029,580 1,037,429 469,034 470,453 462,319
SCT1 Capital Adequacy - Core Tier 1 (Value) 3,109,668 1,024,165 1,029,580 1,037,429 469,034 470,453
STC2 Capital Adequacy - Tier 2 (Value) 24,029 24,465 17,804 15,375 9,293.0 2,505.0 2,045.0
STCR Capital Adequacy - Total (%) 82.3% 29.9% 45.3% 55.6% 42.4% 84.9% 125.9%
STR1 Capital Adequacy - Tier 1 (%) 81.7% 29.2% 44.6% 54.8% 41.6% 84.4% 125.3%
STRC1 Capital Adequacy - Core Tier 1 (%) 81.7% 29.2% 44.6% 54.8% 41.6% 84.4%
STR2 Capital Adequacy - Tier 2 (%) 0.6% 0.7% 0.8% 0.8% 0.8% 0.5% 0.6%
SRWA Risk Weighted Assets 3,807,812 3,513,496 2,309,850 1,892,006 1,127,387 557,317 368,846
SRLC Liquidity Coverage Ratio - Basel 3 - % 2,783.7%
SRLB Leverage Ratio - Basel 3 - % 73.7%
SRSF Net Stable Funding Ratio - Basel 3 - % 157.2% 164.4%
Nonperforming Loans/Assets
SNPL Loans - Non-Performing & Impaired 134,923 156,287 43,139 92,534 67,603 28,387 20,987
SMLG Loans - Impaired -Total 134,923 156,287 43,139
SNPP Loans - Performing - Not Impaired & Not Past Due 2,124,054 2,249,582 1,672,369
SMAS Impaired Assets - Total 134,923 156,287 43,139
SVLS1 Loans - Stage 1 - Gross, Total 1,922,914 2,029,116 1,459,635
SVLS2 Loans - Stage 2 - Gross, Total 201,140 220,466 212,734
SVLS3 Loans - Stage 3 - Gross, Total 134,923 156,287 43,139
Employees
Japan Specific
 Company Fundamentals - Cash Flow
Company Name Bank Amar Indonesia PT (AMAR.JK)
Country of Exchange Indonesia
Country of Headquarters Indonesia
TRBC Industry Group Banking Services
CF Template BNK
Consolidation Basis Consolidated
Scaling Millions
Period Annual
Export Date 19-12-2023
Statement Data 2022 2021 2020 2019 2018 2017 2016
Period End Date 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Standardized Currency IDR IDR IDR IDR IDR IDR IDR
Period Length 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months
Accounting Standard Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian Indonesian
Cash Flow - Standardized (Currency: Indonesia Rupiah)
FCC Field Name 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018 31-12-2017 31-12-2016
Operating Cash Flow - Direct
SCRC Cash Receipts - Business Activities - Cash Flow 786,290 658,871 672,572 611,485 281,939 82,521 78,055
SCPD Cash Payments - Business Activities - Cash Flow 532,036 329,911 242,129 179,822 100,978 52,834 52,098
SCPE Cash Payments - Employees - Cash Flow 198,036 163,890 141,874 116,222 51,668 26,720 20,071
SCPO Cash Payments - Other - Cash Flow 334,000 166,022 100,254 63,600 49,309 26,113 32,027
SDTN Income Taxes - Paid/(Reimbursed) - Cash Flow - Direct 0 490.6 26,496 35,960 0 0 1,305.6
SDIP Interest Paid - Cash - Direct 124,618 223,135 187,120 149,425 67,711 11,739 4,727.9
SOCN Cash Receipts/(Payments) - Net - Cash Flow -2,837,103 380,361 533,079 368,544 -110,138 12,149 -30,201
STLO Net Cash Flow from Operating Activities -2,707,467 485,696 749,907 614,822 3,113.4 30,097 -10,278
Investing Cash Flow
SCAP Capital Expenditures - Net - Cash Flow 2,588.4 7,040.5 4,651.1 7,180.0 4,084.5 1,123.9 1,234.3
SPPN Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow 2,280.4 1,981.9 4,651.1 7,069.6 4,006.4 1,041.6 1,089.0
SCEP Property, Plant & Equipment - Purchased - Cash Flow 2,280.4 1,981.9 4,651.1 7,149.6 4,116.4 1,041.6 1,608.3
SSFA Property, Plant & Equipment Sold - Cash Flow 80.00 110.0 0 519.3
SIAN Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow 308.1 5,058.6 0 110.4 78.02 82.29 145.3
SIAQ Intangible Assets - Purchased/Acquired - Cash Flow 308.1 5,058.6 0 110.4 89.65 82.29 145.3
SSOI Intangible Assets - Sold - Cash Flow 0 11.63 0 0
SCEX Capital Expenditures - Total 2,588.4 7,040.5 4,651.1 7,260.0 4,206.1 1,123.9 1,753.6
SIVN Investments excluding Loans - Decrease/(Increase) - Cash Flow 13,680 -305,197 -249,729 -9,900.0 3,221.6 -36,729 -25,252
SIVT Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow 13,680 -305,197 -249,729 -9,900.0 3,221.6 -36,729 -25,252
SINS Investment Securities - Sold/Matured - Unclassified - Cash Flow 13,680 84,720 75,260 5,100.0 39,000 31,000 30,123
SINP Investment Securities - Purchased - Unclassified - Cash Flow 0 389,917 324,989 15,000 35,778 67,729 55,375
STLI Net Cash Flow from Investing Activities 11,092 -312,238 -254,380 -17,080 -862.9 -37,853 -26,486
Financing Cash Flow
SCDP Dividends Paid - Cash - Total - Cash Flow 0 30,694
SPDC Dividends - Common - Cash Paid 0 30,694
SPSS Stock - Total - Issuance/(Retirement) - Net - Cash Flow 1,000,852 314,839 0 0 99,865
SSNU Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow 1,000,852 314,839 0 0 99,865
SCSN Stock - Common - Issuance/(Retirement) - Net - Cash Flow 1,000,852 314,839 0 0 99,865
SSIC Stock - Common - Issued/Sold - Cash Flow 1,000,852 314,839 0 0 99,865
SPRD Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow -3,947.5 0 214,429 0 0
SLDN Debt - Issued/(Reduced) - Long-Term - Cash Flow -3,947.5 0 214,429 0 0
SLDI Debt - Issued - Long-Term - Cash Flow 0 214,429 0 0
SLDR Debt - Reduced - Long-Term - Cash Flow 3,947.5
SFCF Other Financing Cash Flow - Increase/(Decrease) 1,267,919 -3,232.3 -4,204.6
STLF Net Cash Flow from Financing Activities 2,264,823 -3,232.3 -34,899 314,839 214,429 0 99,865
Discontinued Cash Flow
Non classified Cash Flow
Foreign Exchange Effects
Change in Cash
SNCC Net Change in Cash - Total -431,552 170,226 460,628 912,581 216,679 -7,756.1 63,102
SCNC Net Cash from Continuing Operations -431,552 170,226 460,628 912,581 216,679 -7,756.1 63,102
SNCB Net Cash - Beginning Balance 1,889,418 1,719,192 1,258,563 345,983 129,304 137,060 73,958
SNCE Net Cash - Ending Balance 1,457,865 1,889,418 1,719,192 1,258,563 345,983 129,304 137,060
Supplemental
SSTN Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental 0 490.6 26,496 35,960 0 0 1,305.6
SIPS Interest Paid - Cash Flow - Supplemental 124,618 223,135 187,120 149,425 67,711 11,739 4,727.9
SDCW Working Capital - Cash Flow - Direct - Supplemental -3,103,504 178,118 359,607 241,029 -159,485 -9,777.6 -40,334
SCSBN Common Stock Buyback - Net -1,000,852 -314,839 0 0 -99,865
SFCFE Free Cash Flow to Equity -2,714,003 478,655 745,256 607,642 213,457 28,973 -11,512
SFCFO Free Cash Flow Net of Dividends -2,710,056 478,655 714,562 607,562 -1,092.7 28,973 -12,031
SFCFL Free Cash Flow -2,710,056 478,655 745,256 607,562 -1,092.7 28,973 -12,031

SONI CF from Optg Activities before Change in WC & Int Payments -2,582,849 708,830 937,027 764,247 70,824 41,836 -5,549.7