Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — AMAR PT Bank Amar Indonesia Tbk.
| Dalam Jutaan IDR | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
| ▼ Total Pendapatan | 574,080 | 2,078,522 | 1,531,454 | 985,711 | 483,464 | 1,737,164 | 1,229,284 | 790,728 | 392,569 |
| Pendapatan Bunga | 416,514 | 1,439,938 | 1,054,087 | 681,988 | 340,064 | 1,226,359 | 887,623 | 573,069 | 284,244 |
| Provisi Dan Komisi Kredit | 157,566 | 638,584 | 477,367 | 303,723 | 143,400 | 510,805 | 341,661 | 217,659 | 108,325 |
| Total Pendapatan | 574,080 | 2,078,522 | 1,531,454 | 985,711 | 483,464 | 1,737,164 | 1,229,284 | 790,728 | 392,569 |
| ▼ Total Beban Pokok Penjualan | (46,319) | (107,855) | (66,717) | (42,370) | (19,778) | (65,486) | (48,093) | (32,129) | (15,229) |
| Beban Bunga | (46,319) | (107,855) | (66,717) | (42,370) | (19,778) | (65,486) | (48,093) | (32,129) | (15,229) |
| Beban Provisi Dan Komisi | - | - | - | - | - | - | - | - | - |
| Total Beban Pokok Penjualan | (46,319) | (107,855) | (66,717) | (42,370) | (19,778) | (65,486) | (48,093) | (32,129) | (15,229) |
| Laba Kotor | 527,761 | 1,970,667 | 1,464,737 | 943,341 | 463,686 | 1,671,678 | 1,181,191 | 758,599 | 377,340 |
| ▼ Total Beban Usaha | (435,420) | (1,654,279) | (1,236,330) | (788,822) | (375,650) | (1,396,132) | (983,535) | (631,742) | (313,898) |
| ▼ Pendapatan Operasional Lainnya | (258,015) | (1,059,454) | (753,318) | (463,955) | (214,149) | (832,833) | (535,676) | (340,221) | (174,039) |
| Provisi Dan Komisi Lainnya | - | - | - | - | - | - | - | - | - |
| Keuntungan Transaksi Perdagangan | - | - | - | - | - | - | - | - | - |
| Pendapatan Dividen | - | - | - | - | - | - | - | - | - |
| Keuntungan (Rugi) Atas Transaksi Derivatif | - | - | - | - | - | - | - | - | - |
| Others | (258,015) | (1,059,454) | (753,318) | (463,955) | (214,149) | (832,833) | (535,676) | (340,221) | (174,039) |
| Total Pendapatan Operasional | (258,015) | (1,059,454) | (753,318) | (463,955) | (214,149) | (832,833) | (535,676) | (340,221) | (174,039) |
| ▼ Beban Operasional Lainnya | (177,405) | (594,825) | (483,012) | (324,867) | (161,501) | (563,299) | (447,859) | (291,521) | (139,859) |
| Beban Penyisihan Kerugian Penurunan Nilai | - | - | - | - | - | - | - | - | - |
| Beban Umum Dan Administrasi | (99,678) | (594,825) | (483,012) | (324,867) | (93,918) | (563,299) | (447,859) | (291,521) | (139,859) |
| Others | (77,727) | - | - | - | (67,583) | - | - | - | - |
| Total Beban Operasional | (177,405) | (594,825) | (483,012) | (324,867) | (161,501) | (563,299) | (447,859) | (291,521) | (139,859) |
| Total Beban Usaha | (435,420) | (1,654,279) | (1,236,330) | (788,822) | (375,650) | (1,396,132) | (983,535) | (631,742) | (313,898) |
| Laba Usaha | 92,341 | 316,388 | 228,407 | 154,519 | 88,036 | 275,546 | 197,656 | 126,857 | 63,442 |
| ▼ Penghasilan/Beban Lain-Lain | (36) | (2,581) | (1,663) | (1,370) | (202) | (520) | 9 | 72 | 13 |
| Others | (36) | (2,581) | (1,663) | (1,370) | (202) | (520) | 9 | 72 | 13 |
| Total Penghasilan/Beban Lain-Lain | (36) | (2,581) | (1,663) | (1,370) | (202) | (520) | 9 | 72 | 13 |
| Laba Sebelum Pajak | 92,305 | 313,807 | 226,744 | 153,149 | 87,834 | 275,026 | 197,665 | 126,929 | 63,455 |
| ▼ Beban Pajak Penghasilan | (21,189) | (64,172) | (52,102) | (35,150) | (20,340) | (60,034) | (45,402) | (29,141) | (14,595) |
| Pajak Kini | - | - | - | - | - | - | - | - | - |
| Pajak Tangguhan | - | - | - | - | - | - | - | - | - |
| Total Beban Pajak Penghasilan | (21,189) | (64,172) | (52,102) | (35,150) | (20,340) | (60,034) | (45,402) | (29,141) | (14,595) |
| Laba Bersih Tahun Berjalan | 71,116 | 249,635 | 174,642 | 117,999 | 67,494 | 214,992 | 152,263 | 97,788 | 48,860 |
| ▼ Pendapatan Komprehensif Lain | (12,174) | 11,652 | 15,853 | 10,388 | 1,826 | (3,340) | 2,513 | (5,932) | (1,839) |
| Others | (12,174) | 11,652 | 15,853 | 10,388 | 1,826 | (3,340) | 2,513 | (5,932) | (1,839) |
| Total Pendapatan Komprehensif Lain | (12,174) | 11,652 | 15,853 | 10,388 | 1,826 | (3,340) | 2,513 | (5,932) | (1,839) |
| Jumlah Laba Komprehensif | 58,942 | 261,287 | 190,495 | 128,387 | 69,320 | 211,652 | 154,776 | 91,856 | 47,021 |
| ▼ Laba Bersih Yang Dapat Diatribusikan | 71,116 | 249,635 | 174,642 | 117,999 | 67,494 | 214,992 | 152,263 | 97,788 | 48,860 |
| Pemilik Entitas Induk | 71,116 | 249,635 | 174,642 | 117,999 | 67,494 | 214,992 | 152,263 | 97,788 | 48,860 |
| Kepentingan Non-Pengendali | - | - | - | - | - | - | - | - | - |
| Total Laba Bersih Yang Dapat Diatribusikan | 71,116 | 249,635 | 174,642 | 117,999 | 67,494 | 214,992 | 152,263 | 97,788 | 48,860 |
| ▼ Laba Komprehensif Yang Dapat Diatribusikan | 58,942 | 261,287 | 190,495 | 128,387 | 69,320 | 211,652 | 154,776 | 91,856 | 47,021 |
| Pemilik Entitas Induk | 58,942 | 261,287 | 190,495 | 128,387 | 69,320 | 211,652 | 154,776 | 91,856 | 47,021 |
| Kepentingan Non-Pengendali | - | - | - | - | - | - | - | - | - |
| Total Laba Komprehensif Yang Dapat Diatribusikan | 58,942 | 261,287 | 190,495 | 128,387 | 69,320 | 211,652 | 154,776 | 91,856 | 47,021 |
Key Ratios — AMAR
| Rasio | Q1 2026 ×4 | Q4 2025 | Q3 2025 ×1⅓ | Q2 2025 ×2 | Q1 2025 ×4 | Q4 2024 | Q3 2024 ×1⅓ | Q2 2024 ×2 | Q1 2024 ×4 |
|---|---|---|---|---|---|---|---|---|---|
| Profitabilitas | |||||||||
| Gross Margin (%) | 91.93% | 94.81% | 95.64% | 95.70% | 95.91% | 96.23% | 96.09% | 95.94% | 96.12% |
| Operating Margin (%) | 16.09% | 15.22% | 14.91% | 15.68% | 18.21% | 15.86% | 16.08% | 16.04% | 16.16% |
| Net Margin (%) | 12.39% | 12.01% | 11.40% | 11.97% | 13.96% | 12.38% | 12.39% | 12.37% | 12.45% |
| ROE (%) | 8.17% | 7.30% | 6.90% | 7.00% | 7.92% | 6.44% | 6.14% | 5.94% | 5.88% |
| ROA (%) | 4.10% | 3.69% | 4.26% | 4.23% | 5.24% | 4.42% | 4.36% | 4.25% | 4.12% |
| Per Lembar Saham | |||||||||
| EPS (Rp) | 15,63 | 13,72 | 12,80 | 12,97 | 14,84 | 11,81 | 11,16 | 10,75 | 10,74 |
| BVPS (Rp) | 191,28 | 188,05 | 185,56 | 185,18 | 187,32 | 183,51 | 181,65 | 180,82 | 182,72 |
| Valuasi | |||||||||
| PER (x) | 13.31x | 15.16x | 16.25x | 16.04x | 14.02x | 17.61x | 18.64x | 19.35x | 19.37x |
| PBV (x) | 1.09x | 1.11x | 1.12x | 1.12x | 1.11x | 1.13x | 1.15x | 1.15x | 1.14x |
| Struktur Modal | |||||||||
| DER (x) | 0.99x | 0.98x | 0.62x | 0.66x | 0.51x | 0.46x | 0.41x | 0.40x | 0.43x |