Kinerja Keuangan


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

Ikhtisar Keuangan

(dalam Miliar Rp)




20212020201920182017

Neraca

Total Aset964,838891,337845,605808,572709,330
Kas, Giro dan Penempatan (Net) 174,226 129,827 115,205 102,093 94,206
Surat-surat Berharga (Net)25,80329,68727,16232,04436,050
Pinjaman yang Diberikan (Bruto)582,436586,207556,771512,778441,314
Obligasi Pemerintah (Net)111,42890,65981,02986,79179,849
Penyertaan (Net)830813523604713
Simpanan Nasabah729,169679,452614,311578,775516,098
Pinjaman yang Diterima dan Surat Berharga yang Diterbitkan51,20947,19960,32155,11248,204
Total Liabilitas838,318746,236720,601698,198608,427
Kepentingan Non Pengendali2,7822,6802,4882,2972,311
Ekuitas126,520112,872125,004110,374100,903

Laba Rugi

Pendapatan Bunga50,02656,17358,53254,13948,178
Beban Bunga (11,779) (19,021) (21,930) (18,692) (16,240)
Pendapatan Bunga Bersih38,24737,15236,60235,44631,938
Pendapatan Premi dan Hasil Investasi (Net) 1,399 1,471 1,697 1,712 1,768
Pendapatan Operasional Lainnya16,22013,41313,71211,61311,507
Beban Operasional 24,801 (24,214) (23,687) (21,783) (20,863)
Beban Penyisihan Kerugian (18,297) (22,590) (8,838) (7,388) (7,126)
Pendapatan Operasional Bersih 12,767 5,231 19,487 19,599 17,223
Pendapatan (Beban) Bukan Operasional Bersih (216) (119) (118) 221 (57)
Laba Sebelum Pajak Penghasilan 12,551 5,112 19,369 19,821 17,165
Pajak Penghasilan (1,574) (1,791) (3,861) (4,729) (3,395)
Laba Bersih setelah Pajak Penghasilan 10,977 3,321 15,509 15,092 13,771
Laba yang dapat diatribusikan kepada:
>> Kepentingan Non-Pengendali794112477154
>> Pemilik10,8993,28015,38415,01513,616

Rasio Keuangan [%]

Return On Assets (ROA)1.4%0,5%2,4%2,8%2,7%
Return On Equity (ROE)10.4%2,9%14,0%16,1%15,6%
Net Interest Margin (NIM)4.7%4,5%4,9%5,2%5,5%
Pinjaman terhadap Jumlah Simpanan79.7%87,3%91,5%88,7%85,5%
Rasio Kewajiban Penyediaan Modal Minimum19.7%16,8%19,7%18,4%18,6%
Laba Bersih per Saham (EPS)585176825805730

Rasio Lainnya [%]

NPL Bruto3.7%4,3%2,3%1,9%2,3%
NPL Netto0.7%0,9%1,2%0,8%0,7%
LLP/NPL Gross (Coverage Ratio)233.4%182,4%133,5%152,9%148,0%
CIR (Rasio Biaya Terhadap Pendapatan)43.3%44,2%43,9%42,5%43,9%
BOPO (Biaya Operasi/Pendapatan Operasional)81.2%93,3%73,16%70,15%70,99%
Operating Income/Employee (juta Rp)1,9851,7381,7321,6571,496
Posisi Devisa Netto (PDN)0.9%3,2%2,4%2,0%2,5%



Jumlah Outlet2,1832,2192,3682,2622,150
Jumlah ATM16,38518,23018,65918,31117,966
Jumlah Pegawai27,17727,20227,21127,22427,209



Kebijakan Dividen

TahunJumlah Dividen (Miliar Rupiah)Dividen Per Lembar SahamPay out Rasio DividenTanggal PengumumanTanggal Pembayaran
2020820,1044,0225% dari pendapatan bersih tahun 202031 Mar 202130 Apr 2021
20193.846,12206,2425% of 2019 Net Income24 Feb 202024 Mar 2020
20183.753,78201,2925% of 2018 Net Income14 May 201914 Jun 2019
20174,765.77255.55548835% of 2017 net income22 Maret 201820 April 2018
20163,968.56212.80684935% of 2016 net income20 Maret 201718 April 2017
20152,266.64122.53382725% of 2015 net income14 Maret 201613 April 2016
20142,695.66144.54965825% of 2014 net income19 Maret 201517 April 2015
20132,716.30145.7130% of 2013 net income03 April 201419 Mei 2014
20122,113.84113.3530% of 2012 net income02 April 201316 Mei 2013
20111,165.1862.4820% of 2011 net income
30 Mei 2012
20101,230.5165.9830% of 2010 net income
30 Juni 2011
2009869.39 9.44 47.4835% of 2009 net income
11 Desember 2009 24 Juni 2010
2008122.248.0010% of 2008 net income
7 Juli 2009
2007449.0529.4050% of 2007 net income
4 Juli 2008
2006962.9272.5050% of 2006 net income
2 Juli 2007
2005707.4053.2650% of 2005 net income
4 Juli 2006
20041,568.20118.0750% of 2004 net income
7 Juli 2005
2003314.9023.7175.01% of 2003 net income
21 Juli 2004
20021,254.3094.4450% of 2002 net income
5 November 2003
2001878.3066.1550% of 2001 net income
28 Oktober 2002
199760.80210.0020% of 1997 net income
7 Agustus 1998
199656.40195.0030% of 2nd half year 1996 net income
13 Juni 1997

Laporan Peringkat

Posisi September 2021

Harga saham per tanggal 30 September 2021 : Rp 5.375,-.

PEFINDO2021
Corporate RatingAAA/Stable
Moody's2021
OutlookStable
Bank DepositsBaa2/P-2
Baseline Credit AssessmentBaa3
Adjusted Baseline Credit AssessmentBaa3
Counterparty Risk AssessmentBaa2/P-2
Fitch Rating2021
Long Term Foreign CurrencyBBB-/Stable
Long Term Local CurrencyBBB-/Stable
Short Term Foreign CurrencyF3
Support Rating FloorBBB-
Support Rating2
Viability Ratingbb+
National Long Term RatingAA+/Stable
National Short Term RatingF1+
Standard & Poor's2021
OutlookNegative
Long Term Foreign Issuer CreditBBB-
Long Term Local Issuer CreditBBB-
Short Term Foreign Issuer CreditA-3
Short Term Local Issuer CreditA-3
Fitch Rating2020
Long Term Foreign CurrencyBBB-/Stable
Long Term Local CurrencyBBB-/Stable
Short Term Foreign CurrencyF3
Support Rating FloorBBB-
Support Rating2
Viability Ratingbb+
National Long Term RatingAA+/Stable
National Short Term RatingF1+
Senior Unsecured BondBBB-
Standard & Poor's2020
OutlookNegative
Long Term Foreign Issuer CreditBBB-
Long Term Local Issuer CreditBBB-
Short Term Foreign Issuer CreditA-3
Short Term Local Issuer CreditA-3
Issuer Credit RatingBBB-/Stable/A-3
SACPbbb-
AnchorBb+
Business PositionStrong (+1)
Capital and EarningStrong (+1)
Risk PositionModerate (-1)
Funding and LiquidityAverage & Strong (0)
Support0
GRE Support0
Group Support0
Sovereign Support0
Additional Factors0
Moody's2020
OutlookStable
Bank DepositsBaa2/P-2
Baseline Credit AssessmentBaa3
Adjusted Baseline Credit AssessmentBaa3
Counterparty Risk AssessmentBaa2/P-2
PEFINDO2020
Corporate RatingAAA/Stable
Fitch Rating2019
Long Term Foreign CurrencyBBB-/Stable
Long Term Local CurrencyBBB-/Stable
Short Term Foreign CurrencyF3
Support Rating FloorBBB-
Support Rating2
Viability Ratingbb+
National Long Term RatingAA+/Stable
National Short Term RatingF1+
Senior Unsecured BondBBB-
Standard & Poor's2019
OutlookStable
Issuer Credit RatingBBB-/Stable/A-3
SACPbbb-
AnchorBb+
Business PositionStrong (+1)
Capital and EarningStrong (+1)
Risk PositionModerate (-1)
Funding and LiquidityAverage & Strong (0)
Moody's2019
OutlookStable
Bank DepositsBaa2/P-2
Baseline Credit AssessmentBaa3
Adjusted Baseline Credit AssessmentBaa3
Counterparty Risk AssessmentBaa2/P-2
PEFINDO2019
Corporate RatingAAA/Stable
Fitch Rating2018
Long Term Foreign CurrencyBBB-/Stable
Long Term Local CurrencyBBB-/Stable
Short Term Foreign CurrencyF3
Support Rating FloorBBB-
Support Rating2
Viability Ratingbb+
National Long Term RatingAA+/Stable
National Short Term RatingF1+
Senior Unsecured BondBBB-
Standard & Poor's2018
OutlookStable
Issuer Credit RatingBB+
SACPbb
Anchorbb
Risk PositionModerate (-1)
Funding and LiquidityAbove Average & Strong (+1)
Moody's2018
OutlookStable
Bank DepositsBaa2/P-2
Baseline Credit AssessmentBaa3
Adjusted Baseline Credit AssessmentBaa3
Counterparty Risk AssessmentBaa2/P-2
PEFINDO2018
Corporate RatingAAA/Stable
Fitch Rating2017
Long Term Foreign CurrencyBBB-/Stable
Long Term Local CurrencyBBB-/Stable
Short Term Foreign CurrencyF3
Support Rating FloorBBB-
Support Rating2
Viability Ratingbb+
National Long Term RatingAA+/Stable
National Short Term RatingF1+
Senior Unsecured BondBBB-
Standard & Poor's2017
OutlookStable
Issuer Credit RatingBB+
SACPbb
Anchorbb
Risk PositionModerate (-1)
Funding and LiquidityAbove Average & Strong (+1)
Moody's2017
OutlookPositive
Bank DepositsBaa3/P-3
Baseline Credit AssessmentBa1
Adjusted Baseline Credit AssessmentBa1
Counterparty Risk AssessmentBaa3/P-3
Senior UnsecuredBaa3
PEFINDO2017
Corporate RatingAAA/Stable
Moody's2016
OutlookPositif
Bank DepositsBaa3/P-3
Baseline Credit Assessmentba1
Adjusted Baseline Credit Assessmentba1
Counterparty Risk AssessmentBaa3(cr)/P-3(cr)
Senior UnsecuredBaa3
Fitch Rating2015
Long Term Issuer Default RatingBBB-
Short Term Issuer Default RatingF3
Local Currency Long Term Issuer Default RatingBBB-
National Long Term RatingAA+ (idn)
National Short Term RatingF1+ (idn)
Viability Ratingbb+
Support Rating2
Support Rating FloorBBB-
Standard & Poor's2015
Issuer Credit RatingBB/Positive/B
SACPbb
Anchorbb
Business PositionAdequate(0)
Capital & EarningsAdequate(0)
Risk PositionWeak (-2)
Funding and LiquidityAbove Average & Strong (+1)
Support+1
GRE Support0
Group Support0
Sovereign Support+1
Additional Factors0
Moody's2015
OutlookStable
Bank DepositsBaa3/P-3
Bank Financial StrengthD+
Baseline Credit Assessmentba1
Adjusted Baseline Credit Assessmentba1
Senior UnsecuredBaa3
PEFINDO2015
Corporate RatingAAA/Stable

Daftar Analis

NOSekuritasAnalisE-mail
1Bahana SecuritiesPrasetya GunadiPrasetya.Christy@bahana.co.id
2BCA SekuritasJohanes Indra PrasetiaJohanes.prasetia@bcasekuritas.co.id
3CGS-CIMBYulinda HartantoYulinda.hartanto@cgs-cimb.com
4Ciptadana SekuritasErni M SiahaanSiahaanerni@ciptadana.com
5Citi Investment ResearchFerry WongFerry.wong@citi.com
6CLSA LimitedSarina LesminaSarina.Lesmina@clsa.com
7Credit SuisseAndri NgaserinAndri.ngaserin@credit-Suisse.com
8Danareksa SekuritasEka SavitriEka.Savitri@danareksa.com
9DBS BankRui Wen Limruiwenlim@dbs.com
10Goldman SachsMelissa KuangMelissa.kuang@gs.com
11Indo Premier SecuritiesJovent MuliadiJovent.muliadi@ipc.co.id
12JP MorganHarsh Wardhan ModiHarsh.w.modi@jpmorgan.com
13Korea Investment & Securities Co Ltd.Edward Ariadi TanuwijayaEdward.t@kisi.co.id
14MacquarieJayden VantarakisJayden.vantarakis@macquarie.com
15Mandiri SekuritasKresna HutabaratKresna.hutabarat@mandirisek.co.id
16Maybank Kim EngRahmi Sari MarinaRahmi.Marina@maybank-ke.co.id
17Mirae Asset Daewoo SecuritiesHandiman Soetoyohandiman.soetoyo@miraeasset.co.id
18MNC SecuritiesVictoria VennyVictoria.nawang@mncgroup.com
19Morgan StanleyMulya ChandraMulya.Chandra@morganstanley.com
20Nomura VerdhanaRaymond KosasihRaymond.kosasih@verdhanaindonesia.com
21RHB ResearchChristopher Andre BenasChristopher.benas@rhbgroup.com
22Samuel SecuritiesSuria DharmaSuria.dharma@samuel.co.id
23Sinarmas SekuritasEvan Lie HadiwidjajaEvan.hadiwidjaja@sinarmassekuritas.co.id
24Sucorinvest Central GaniEdward LowisEdward.lowis@sucorsekuritas.com
25Trimegah SecuritiesWillinoy SitorusWillinoy.sitorus@trimegah.com
26UOB Kay HianRaphon PrimaRaphonprima@uobkayhian.com