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Kinerja Keuangan


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

Ikhtisar Keuangan

2014 2013 2012 2011 2010

Neraca

Total Aset 416,574 386,655 333,304 299,058 248,581
Kas, Giro dan Penempatan (Net) 55,056 60,795 68,849 76,551 58,775
Surat-surat Berharga 12,738 8,513 9,801 7,628 13,181
Pinjaman yang Diberikan (Bruto) 277,622 250,638 200,742 163,533 136,357
Obligasi Pemerintah 43,830 44,884 38,561 36,958 32,556
Penyertaan (Net) 37 40 24 24 24
Simpanan Nasabah 313,893 291,890 257,661 231,296 194,375
Pinjaman yang Diterima dan Surat Berharga yang Diterbitkan 17,370 24,987 13,519 8,991 6,751
Total Liabilitas 355,553 338,971 289,778 261,215 215,431
Kepentingan Non Pengendali 1,950 83 52 110 30
Ekuitas 61,021 47,684 43,525 37,843 33,150

Laba Rugi

Pendapatan Bunga 33,365 26,451 22,705 20,692 18,837
Beban Bunga (10,989) (7,392) (7,246) (7,496) (7,080)
Pendapatan Bunga Bersih 22,376 19,058 15,459 13,196 11,738
Fee Income 10,715 9,441 8,446 7,601 7,044
Pendapatan Operasional 33,091 28,499 23,905 20,797 18,782
Beban Operasional (16,103) (14,573) (12,739) (11,134) (9,643)
Beban Penyisihan Kerugian (3,642) (2,708) (2,525) (2,421) (3,629)
Pendapatan Operasional Bersih 13,346 11,219 8,641 7,242 5,509
Pendapatan (Beban) Bukan Operasional Bersih 178 59 259 219 (24)
Laba Sebelum Pajak Penghasilan 13,524 11,278 8,900 7,461 5,485
Pajak Penghasilan (2,695) (2,220) (1,851) (1,653) (1,382)
Laba Bersih setelah Pajak Penghasilan 10,829 9,058 7,048 5,808 4,103
Laba yang dapat diatribusikan kepada:
» Kepentingan Non-Pengendali 46 4 2 (18) (1)
» Pemilik 10,783 9,054 7,046 5,826 4,102

Rasio Keuangan [%]

Return On Assets (ROA) 3.5 3.4 2.9 2.9 2.5
Return On Equity (ROE) 23.6 22.5 20.0 20.1 24.7
Net Interest Margin (NIM) 6.2 6.1 5.9 6.0 5.8
Fee Income to Operating Income 32.4 33.1 35.3 36.5 37.6
Pinjaman terhadap Jumlah Simpanan 87.8 85.3 77.5 70.4 70.2
Rasio Kewajiban Penyediaan Modal Minimum 16.2 15.1 16.7 17.6 18.6
Laba Bersih per Saham (EPS) (Rp) 578 486 378 312 266

Rasio Lainnya [%]

NPL Bruto 2.0 2.2 2.8 3.6 4.3
NPL Netto 0.4 0.5 0.8 0.5 1.1
LLP/NPL Gross (Coverage Ratio) 130.1 128.5 123.0 120.8 120.6
CIR (Rasio Biaya Terhadap Pendapatan) 43.8 46.7 49.5 49.8 51.3
BOPO (Biaya Operasi/Pendapatan Operasional) 69.8 67.1 71.0 72.6 76.0
Net Operating Income/Employee (juta Rp) 1,247 1,092 962 880 972
Posisi Devisa Netto (PDN) 1.6 3.4 2.2 2.8 4.4

Jumlah Outlet 1,766 1,693 1,590 1,369 1,153
Jumlah ATM 14,071 11,163 8,227 6,227 5,004
Jumlah Pegawai 26,536 26,100 24,861 23,639 19,315

Kebijakan Dividen

Tahun Jumlah Dividen
(Miliar Rupiah)
Dividen
Per Lembar Saham
Rasio Dividen Tanggal Pembayaran
2012 2,113.84 113.35 30% of 2012 net income 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

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