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Kinerja Keuangan


  • Ikhtisar Keuangan
  • Kebijakan Dividen
  • Laporan Peringkat
  • Liputan Analis

Ikhtisar Keuangan

(dalam Jutaan Rp)

  2017 2016 2015 2014 2013

Neraca

Total Aset 709,330,084 603,031,880 508,595,288 416,573,708 386,654,815
Kas, Giro dan Penempatan (Net) 94,206,269 81,274,183 86,238,205 55,056,486 10,089,927
Surat-surat Berharga 36,049,899 23,764,750 9,927,494 12,738,296 23,130,059
Pinjaman yang Diberikan (Bruto) 441,313,566 393,275,392 326,105,149 277,622,281 250,637,843
Obligasi Pemerintah 79,849,452 63,006,339 47,222,319 43,829,797 41,431,956
Penyertaan (Net) 713,423 57,169 35,793 37,434 39,507
Simpanan Nasabah 516,097,982 435,544,913 370,420,785 313,893,430 291,890,195
Pinjaman yang Diterima dan Surat Berharga yang Diterbitkan 48,204,444 39,615,617 29,890,248 17,370,296 24,987,056
Total Liabilitas 608,426,780 513,777,880 430,157,066 355,552,400 338,971,310
Kepentingan Non Pengendali 2,311,015 2,096,666 2,023,486 1,949,535 83,270
Ekuitas 100,903,304 89,254,000 78,438,222 61,021,308 47,683,505

Laba Rugi

Pendapatan Bunga 48,177,849 43,768,439 36,895,081 33,750,031 26,450,708
Beban Bunga (16,240,086) (13,773,377) (11,334,885) (10,988,641) (7,392,427)
Pendapatan Bunga Bersih 31,937,763 29,995,062 25,560,196 22,761,390 19,058,281
Fee Income 11,507,024 9,962,683 8,872,380 8,854,761 9,440,904
Pendapatan Operasional 45,212,355 41,299,306 35,258,238 31,748,624 28,499,185
Beban Operasional (20,863,357) (19,216,843) (16,509,898) (14,760,341) (14,572,688)
Beban Penyisihan Kerugian (7,126,335) (7,853,131) (7,336,259) (3,641,992) (2,707,694)
Pendapatan Operasional Bersih 17,222,663 14,229,332 11,412,081 13,346,291 11,218,803
Pendapatan (Beban) Bukan Operasional Bersih (57,276) 73,573 54,067 178,019 59,362
Laba Sebelum Pajak Penghasilan 17,165,387 14,302,905 11,466,148 13,524,310 11,278,165
Pajak Penghasilan (3,394,795) (2,892,709) (2,325,616) (2,694,931) (2,220,224)
Laba Bersih setelah Pajak Penghasilan 13,770,592 11,410,196 9,140,532 10,829,379 9,057,941
Laba yang dapat diatribusikan kepada:
» Kepentingan Non-Pengendali 154,116 71,448 73,951 46,751 3,596
» Pemilik 13,616,476 11,338,748 9,066,581 10,782,628 9,054,345

Rasio Keuangan [%]

Return On Assets (ROA) 2,75% 2,69% 2,64% 3,49% 3,36%
Return On Equity (ROE) 15,60% 15,54% 17,21% 23,64% 22,47%
Net Interest Margin (NIM) 5,50% 6,17% 6,42% 6,31% 6,11%
Pinjaman terhadap Jumlah Simpanan 85,58% 90,41% 87,77% 87,81% 85,30%
Rasio Kewajiban Penyediaan Modal Minimum 18,53% 19,36% 19,49% 16,22% 15,09%
Laba Bersih per Saham (EPS) 730 610 487 578 486

Rasio Lainnya [%]

NPL Bruto 2,26% 2,96% 2,70% 1,96% 2,17%
NPL Netto 0,70% 0,44% 0,91% 0,39% 0,55%
LLP/NPL Gross (Coverage Ratio) 148,0% 146,0% 140,4% 130,1% 128,5%
CIR (Rasio Biaya Terhadap Pendapatan) 43,9% 44,0% 44,2% 43,8% 46,7%
BOPO (Biaya Operasi/Pendapatan Operasional) 70,99% 73,59% 75,48% 68,02% 67,09%
Net Operating Income/Employee 1,496 1,330 1,196 1,115 984
Posisi Devisa Netto (PDN) 2,51% 3,40% 1,65% 1,61% 3,39%

 

Jumlah Outlet 2,158 1,997 1,826 1,766 1,693
Jumlah ATM 17,966 17,056 16,071 14,071 11,163
Jumlah Pegawai 27,209 28,184 26,875 26,536 26,100

 

Kebijakan Dividen

Tahun Jumlah Dividen
(Miliar Rupiah)
Dividen
Per Lembar Saham
Pay out
Rasio Dividen
Tanggal Pengumuman Tanggal Pembayaran
2017 4,765.77 255.555488 35% of 2017 net income 22 Maret 2018 20 April 2018
2016 3,968.56 212.806849 35% of 2016 net income 20 Maret 2017 18 April 2017
2015 2,266.64 122.533827 25% of 2015 net income 14 Maret 2016 13 April 2016
2014 2,695.66 144.549658 25% of 2014 net income 19 Maret 2015 17 April 2015
2013 2,716.30 145.71 30% of 2013 net income 03 April 2014 19 Mei 2014
2012 2,113.84 113.35 30% of 2012 net income 02 April 2013 16 Mei 2013
2011 1,165.18 62.48 20% of 2011 net income   30 Mei 2012
2010 1,230.51 65.98 30% of 2010 net income   30 Juni 2011
2009 869.39 9.44
47.48
35% of 2009 net income   11 Desember 2009
24 Juni 2010
2008 122.24 8.00 10% of 2008 net income   7 Juli 2009
2007 449.05 29.40 50% of 2007 net income   4 Juli 2008
2006 962.92 72.50 50% of 2006 net income   2 Juli 2007
2005 707.40 53.26 50% of 2005 net income   4 Juli 2006
2004 1,568.20 118.07 50% of 2004 net income   7 Juli 2005
2003 314.90 23.71 75.01% of 2003 net income   21 Juli 2004
2002 1,254.30 94.44 50% of 2002 net income   5 November 2003
2001 878.30 66.15 50% of 2001 net income   28 Oktober 2002
1997 60.80 210.00 20% of 1997 net income   7 Agustus 1998
1996 56.40 195.00 30% of 2nd half year 1996 net income   13 Juni 1997

Laporan Peringkat

Fitch Rating 2018
Long Term Foreign Currency BBB-/Stable
Long Term Local Currency BBB-/Stable
Short Term Foreign Currency F3
Support Rating Floor BBB-
Support Rating 2
Viability Rating bb+
National Long Term Rating AA+/Stable
National Short Term Rating F1+
Senior Unsecured Bond BBB-
Standard & Poor's 2018
Outlook Stable
Issuer Credit Rating BB+
SACP bb
Anchor bb
Risk Position Moderate (-1)
Funding and Liquidity Above Average & Strong (+1)
Moody's 2018
Outlook Stable
Bank Deposits Baa2/P-2
Baseline Credit Assessment Baa3
Adjusted Baseline Credit Assessment Baa3
Counterparty Risk Assessment Baa2/P-2
PEFINDO 2018
Corporate Rating AAA/Stable
Fitch Rating 2017
Long Term Foreign Currency BBB-/Stable
Long Term Local Currency BBB-/Stable
Short Term Foreign Currency F3
Support Rating Floor BBB-
Support Rating 2
Viability Rating bb+
National Long Term Rating AA+/Stable
National Short Term Rating F1+
Senior Unsecured Bond BBB-
Standard & Poor's 2017
Outlook Stable
Issuer Credit Rating BB+
SACP bb
Anchor bb
Risk Position Moderate (-1)
Funding and Liquidity Above Average & Strong (+1)
Moody's 2017
Outlook Positive
Bank Deposits Baa3/P-3
Baseline Credit Assessment Ba1
Adjusted Baseline Credit Assessment Ba1
Counterparty Risk Assessment Baa3/P-3
Senior Unsecured Baa3
PEFINDO 2017
Corporate Rating AAA/Stable
Moody's 2016
Outlook Positif
Bank Deposits Baa3/P-3
Baseline Credit Assessment ba1
Adjusted Baseline Credit Assessment ba1
Counterparty Risk Assessment Baa3(cr)/P-3(cr)
Senior Unsecured Baa3
Fitch Rating 2015
Long Term Issuer Default Rating BBB-
Short Term Issuer Default Rating F3
Local Currency Long Term Issuer Default Rating BBB-
National Long Term Rating AA+ (idn)
National Short Term Rating F1+ (idn)
Viability Rating bb+
Support Rating 2
Support Rating Floor BBB-
Standard & Poor's 2015
Issuer Credit Rating BB/Positive/B
SACP bb
Anchor bb
Business Position Adequate(0)
Capital & Earnings Adequate(0)
Risk Position Weak (-2)
Funding and Liquidity Above Average & Strong (+1)
Support +1
GRE Support 0
Group Support 0
Sovereign Support +1
Additional Factors 0
Moody's 2015
Outlook Stable
Bank Deposits Baa3/P-3
Bank Financial Strength D+
Baseline Credit Assessment ba1
Adjusted Baseline Credit Assessment ba1
Senior Unsecured Baa3
PEFINDO 2015
Corporate Rating AAA/Stable

Liputan Analis

Sekuritas Analis Telepon Email
Kim Eng Securities Rahmi Sari Marina +62 21 2557-1128 rmarina@kimeng.co.id
PT Bahana Securities Teguh P. Hartanto +62 21 250-5081 teguh.hartanto@bahana.co.id
Indo Premier Securities Stephan Hasjim +62 21 2991-3347 stephan.hasjim@ipc.co.id
DBS Vickers Sue Lin Lim +60 3 2711-0971 suelin@hwangdbsvickers.com.my
PT BNP Paribas Securities Indonesia Igor Nyoman +62 21 2358-4935 igor.nyoman@asia.bnpparibas.com
CIMB-Gk Securities Pte Hadi Soegiarto +62 21 3006-1721 hadi.soegiarto@cimb.com
PT Samuel Sekuritas Indonesia Joseph Pangaribuan +62 21 2854-8107 joseph.pangaribuan@e-samuel.com
PT UOB Kay Hian Securities Rufina Tam +62 21 2557-8845 emerentiatam@uobkayhian.com
Citibank NA Salman Ali +92 21 263-8058 salman.ali@citi.com
Danareksa Securities Eka Safitri ekas@danareksa.com
CLSA Asia-Pasific Markets Jayden Vantarakis +62 21 2554-8827 jayden.vantarakis@clsa.com
Andalan Artha Advisindo Adriana Indrajatri +62 21 515-2640 a.indrajatri@aaasecurities.com
PT Credit Suisse Securities Teddy Oetomo teddy.oetomo@credit-suisse.com
PT Sucorinvest Central Gani Robby Hafil +62 21 526-6466 robbyhafil@sucorinvest.com
Ciptadana Sekuritas Syaiful Adrian +62 21 2557-4919 adriansyaiful@ciptadana.com
PT Mandiri Sekuritas Tjandra Lienandjaja +62 21 5296-9542 tjandra.lienandjaja@mandirisek.co.id
Standard Chartered Bank (HK) Ltd Jaj Singh +65 6596-8518 jaj.singh@sc.com
PT Macquarie Securities Indonesia Nicolaos Oentung +62 21 2598-8366 nicolaos.oentung@macquarie.com
Deutsche Bank AG Raymond Kosasih +62 21 318-9525 raymond.kosasih@db.com
UBS Joshua Tanja +62 21 2554-7030 joshua.tanja@ubs.com
Morgan Stanley Mulya Chandra +62 21 3048-8125 mulya.chandra@morganstanley.com
AM Capital Yap Swie Cu +62 21 574-2310 swiecu@amcapital.co.id
Panin Securities Raymond Budiman +62 21 5153-055 raymond@pans.co.id
RHB Research Institute Rocky Indrawan +60 3 9280-2175 rocky.indrawan@dgmgaps.com.sg
JP Morgan Securities Harsh Modi +62 21 5291-8573 harsh.w.modi@jpmorgan.com
Goldman Sachs Benjamin Koo +62 852 2978-6681 ben.koo@gs.com.au