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Kinerja Keuangan

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

Ikhtisar Keuangan

(dalam Miliar Rp)

2020 2019 2018 2017 2016

Neraca

Total Aset 891,337 845,605 808,572 709,330 603,032
Kas, Giro dan Penempatan (Net) 129,827 115,205 102,093 94,206 81,274
Surat-surat Berharga 29,687 27,162 32,044 36,050 23,765
Pinjaman yang Diberikan (Bruto) 586,207 556,771 512,778 441,314 393,275
Obligasi Pemerintah 90,659 81,029 86,791 79,849 63,006
Penyertaan (Net) 813 523 604 713 57
Simpanan Nasabah 679,452 614,311 578,775 516,098 435,545
Pinjaman yang Diterima dan Surat Berharga yang Diterbitkan 47,199 60,321 55,112 48,204 39,616
Total Liabilitas 746,236 720,601 698,198 608,427 513,778
Kepentingan Non Pengendali 2,680 2,488 2,297 2,311 2,097
Ekuitas 112,872 125,004 110,374 100,903 89,254

Laba Rugi

Pendapatan Bunga 56,173 58,532 54,139 48,178 43,768
Beban Bunga (19,021) (21,930) (18,692) (16,240) (13,773)
Pendapatan Bunga Bersih 37,152 36,602 35,446 31,938 29,995
Pendapatan Premi dan Hasil Investasi (Net) 1,471 1,697 1,712 1,768 1,342
Pendapatan Operasional Lainnya 13,413 13,712 11,613 11,507 9,963
Beban Operasional (24,214) (23,687) (21,783) (20,863) (19,217)
Beban Penyisihan Kerugian (22,590) (8,838) (7,388) (7,126) (7,853)
Pendapatan Operasional Bersih 5,231 19,487 19,599 17,223 14,229
Pendapatan (Beban) Bukan Operasional Bersih (119) (118) 221 (57) 74
Laba Sebelum Pajak Penghasilan 5,112 19,369 19,821 17,165 14,303
Pajak Penghasilan (1,791) (3,861) (4,729) (3,395) (2,893)
Laba Bersih setelah Pajak Penghasilan 3,321 15,509 15,092 13,771 11,410
Laba yang dapat diatribusikan kepada:
» Kepentingan Non-Pengendali 41 124 77 154 71
» Pemilik 3,280 15,384 15,015 13,616 11,339

Rasio Keuangan [%]

Return On Assets (ROA) 0,5% 2,4% 2,8% 2,7% 2,7%
Return On Equity (ROE) 2,9% 14,0% 16,1% 15,6% 15,5%
Net Interest Margin (NIM) 4,5% 4,9% 5,2% 5,5% 6,1%
Pinjaman terhadap Jumlah Simpanan 87,3% 91,5% 88,7% 85,5% 90,4%
Rasio Kewajiban Penyediaan Modal Minimum 16,8% 19,7% 18,4% 18,6% 19,3%
Laba Bersih per Saham (EPS) 176 825 805 730 610

Rasio Lainnya [%]

NPL Bruto 4,3% 2,3% 1,9% 2,3% 3,0%
NPL Netto 0,9% 1,2% 0,8% 0,7% 0,4%
LLP/NPL Gross (Coverage Ratio) 182,4% 133,5% 152,9% 148,0% 146,0%
CIR (Rasio Biaya Terhadap Pendapatan) 44,2% 43,9% 42,5% 43,9% 44,0%
BOPO (Biaya Operasi/Pendapatan Operasional) 93,3% 73,16% 70,15% 70,99% 73,59%
Operating Income/Employee (juta Rp) 1,738 1,732 1,657 1,496 1,330
Posisi Devisa Netto (PDN) 3,2% 2,4% 2,0% 2,5% 3,4%

Jumlah Outlet 2,219 2,368 2,262 2,150 1,990
Jumlah ATM 18,230 18,659 18,311 17,966 17,056
Jumlah Pegawai 27,202 27,211 27,224 27,209 28,184

Kebijakan Dividen

Tahun Jumlah Dividen (Miliar Rupiah) Dividen Per Lembar Saham Pay out Rasio Dividen Tanggal Pengumuman Tanggal Pembayaran
2020 820,10 44,02 25% dari pendapatan bersih tahun 2020 31 Mar 2021 30 Apr 2021
2019 3.846,12 206,24 25% of 2019 Net Income 24 Feb 2020 24 Mar 2020
2018 3.753,78 201,29 25% of 2018 Net Income 14 May 2019 14 Jun 2019
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

Posisi Maret 2021

Harga saham per tanggal 31 Maret 2021 : Rp 5.275,-.

PEFINDO 2021
Corporate Rating AAA/Stable
Moody's 2021
Outlook Stable
Bank Deposits Baa2/P-2
Baseline Credit Assessment Baa3
Adjusted Baseline Credit Assessment Baa3
Counterparty Risk Assessment Baa2/P-2
Fitch Rating 2021
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+
Standard & Poor's 2021
Outlook Negative
Long Term Foreign Issuer Credit BBB-
Long Term Local Issuer Credit BBB-
Short Term Foreign Issuer Credit A-3
Short Term Local Issuer Credit A-3
Fitch Rating 2020
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 2020
Outlook Negative
Long Term Foreign Issuer Credit BBB-
Long Term Local Issuer Credit BBB-
Short Term Foreign Issuer Credit A-3
Short Term Local Issuer Credit A-3
Issuer Credit Rating BBB-/Stable/A-3
SACP bbb-
Anchor Bb+
Business Position Strong (+1)
Capital and Earning Strong (+1)
Risk Position Moderate (-1)
Funding and Liquidity Average & Strong (0)
Support 0
GRE Support 0
Group Support 0
Sovereign Support 0
Additional Factors 0
Moody's 2020
Outlook Stable
Bank Deposits Baa2/P-2
Baseline Credit Assessment Baa3
Adjusted Baseline Credit Assessment Baa3
Counterparty Risk Assessment Baa2/P-2
PEFINDO 2020
Corporate Rating AAA/Stable
Fitch Rating 2019
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 2019
Outlook Stable
Issuer Credit Rating BBB-/Stable/A-3
SACP bbb-
Anchor Bb+
Business Position Strong (+1)
Capital and Earning Strong (+1)
Risk Position Moderate (-1)
Funding and Liquidity Average & Strong (0)
Moody's 2019
Outlook Stable
Bank Deposits Baa2/P-2
Baseline Credit Assessment Baa3
Adjusted Baseline Credit Assessment Baa3
Counterparty Risk Assessment Baa2/P-2
PEFINDO 2019
Corporate Rating AAA/Stable
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

Daftar Analis

NO Sekuritas Analis E-mail
1 Bahana Securities Prasetya Gunadi Prasetya.Christy@bahana.co.id
2 BCA Sekuritas Johanes Indra Prasetia Johanes.prasetia@bcasekuritas.co.id
3 CGS-CIMB Yulinda Hartanto Yulinda.hartanto@cgs-cimb.com
4 Ciptadana Sekuritas Erni M Siahaan Siahaanerni@ciptadana.com
5 Citi Investment Research Ferry Wong Ferry.wong@citi.com
6 CLSA Limited Sarina Lesmina Sarina.Lesmina@clsa.com
7 Credit Suisse Andri Ngaserin Andri.ngaserin@credit-Suisse.com
8 Danareksa Sekuritas Eka Savitri Eka.Savitri@danareksa.com
9 DBS Bank Rui Wen Lim ruiwenlim@dbs.com
10 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com
11 Indo Premier Securities Jovent Muliadi Jovent.muliadi@ipc.co.id
12 JP Morgan Harsh Wardhan Modi Harsh.w.modi@jpmorgan.com
13 Korea Investment & Securities Co Ltd. Edward Ariadi Tanuwijaya Edward.t@kisi.co.id
14 Macquarie Jayden Vantarakis Jayden.vantarakis@macquarie.com
15 Mandiri Sekuritas Kresna Hutabarat Kresna.hutabarat@mandirisek.co.id
16 Maybank Kim Eng Rahmi Sari Marina Rahmi.Marina@maybank-ke.co.id
17 Mirae Asset Daewoo Securities Handiman Soetoyo handiman.soetoyo@miraeasset.co.id
18 MNC Securities Victoria Venny Victoria.nawang@mncgroup.com
19 Morgan Stanley Mulya Chandra Mulya.Chandra@morganstanley.com
20 Nomura Verdhana Raymond Kosasih Raymond.kosasih@verdhanaindonesia.com
21 RHB Research Christopher Andre Benas Christopher.benas@rhbgroup.com
22 Samuel Securities Suria Dharma Suria.dharma@samuel.co.id
23 Sinarmas Sekuritas Evan Lie Hadiwidjaja Evan.hadiwidjaja@sinarmassekuritas.co.id
24 Sucorinvest Central Gani Edward Lowis Edward.lowis@sucorsekuritas.com
25 Trimegah Securities Willinoy Sitorus Willinoy.sitorus@trimegah.com
26 UOB Kay Hian Raphon Prima Raphonprima@uobkayhian.com