Bank Tabungan Pensiunan Nasional

Bank Tabungan Pensiunan Nasional's net profit rose 46.3% yoy to IDR 366 bil in 3Q2019

By Helgi Analytics - March 4, 2020

Bank Tabungan Pensiunan Nasional made a net profit of IDR 366 bil under revenues of IDR 1,039 bil in the third quarter of 2019, up 46...

Bank Tabungan Pensiunan Nasional's market capitalisation (end of period) rose 108% yoy to USD 1,793 mil in 3Q2019

By Helgi Analytics - March 4, 2020

Bank Tabungan Pensiunan Nasional stock traded at IDR 3,300 per share at the end of third quarter of 2019 implying a market capitalizatio...

Bank Tabungan Pensiunan Nasional's net interest income rose 30.7% yoy to IDR 1,036 bil in 3Q2019

By Helgi Analytics - March 4, 2020

Bank Tabungan Pensiunan Nasional generated total banking revenues of IDR 1,039 bil in the third quarter of 2019, up 30.6% when co...

Profit Statement 2016 2017 2018
Net Interest Income IDR bil 1,936 2,560 3,080
Net Fee Income IDR bil 0.203 0.509 0.571
Other Income IDR bil 1.22 3.79 5.69
Total Revenues IDR bil 1,938 2,564 3,086
Staff Cost IDR bil 771 834 899
Operating Profit IDR bil 670 1,140 1,569
Provisions IDR bil 115 232 269
Net Profit IDR bil 413 670 964
Balance Sheet 2016 2017 2018
Interbank Loans IDR bil 34.5 1,023 317
Customer Loans IDR bil 4,941 5,971 7,143
Debt Securities IDR bil 0 39.2 1,038
Total Assets IDR bil 7,323 9,157 12,039
Shareholders' Equity IDR bil 1,593 2,255 3,997
Interbank Borrowing IDR bil 4,393 5,247 5,993
Customer Deposits IDR bil 993 1,298 1,619
Issued Debt Securities IDR bil 1.57 0.820 0.020
Ratios 2016 2017 2018
ROE % 29.9 34.8 30.8
ROA % 6.59 8.13 9.09
Costs (As % Of Assets) % 20.3 17.3 14.3
Costs (As % Of Income) % 65.4 55.5 49.1
Capital Adequacy Ratio % 23.8 28.9 40.9
Net Interest Margin % 30.9 31.1 29.1
Loans (As % Of Deposits) % 498 460 441
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil ... ... 958
Share Price (End Of Period) IDR ... ... 1,795
Price/Earnings (P/E) ... ... 13.9
Price/Book Value (P/BV) ... ... 3.34
Dividend Yield % ... ... 0
Earnings Per Share (EPS) IDR ... ... 130
Book Value Per Share IDR ... ... 538
Dividend Per Share IDR ... ... 0

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summary Unit 2015 2016 2017 2018
income statement        
Net Interest Income IDR bil 1,315 1,936    
Total Revenues IDR bil 1,318 1,938    
Operating Profit IDR bil 313 670    
Net Profit IDR bil 188 413    
balance sheet        
Interbank Loans IDR bil 425 34.5    
Customer Loans IDR bil 3,658 4,941    
Debt Securities IDR bil 0 0    
Total Assets IDR bil 5,196 7,323    
Shareholders' Equity IDR bil 1,163 1,593    
Interbank Borrowing IDR bil 3,050 4,393    
Customer Deposits IDR bil 759 993    
Issued Debt Securities IDR bil 1.06 1.57    
ratios        
ROE % ... 29.9    
ROA % ... 6.59    
Costs (As % Of Assets) % ... 20.3    
Costs (As % Of Income) % 76.3 65.4    
Capital Adequacy Ratio % 19.9 23.8    
Net Interest Margin % ... 30.9    
Interest Income (As % Of Revenues) % 99.8 99.9    
Fee Income (As % Of Revenues) % 0.028 0.010    
Staff Cost (As % Of Total Cost) % 61.9 60.8    
Equity (As % Of Assets) % 22.4 21.7    
Loans (As % Of Deposits) % 482 498    
Loans (As % Assets) % 70.4 67.5    
valuation        
Market Capitalisation (End Of Period) USD mil ... ... ...  
Number Of Shares (Average) mil ... ... ...  
Share Price (End Of Period) IDR ... ... ...  
Earnings Per Share (EPS) IDR ... ... ...  
Book Value Per Share IDR ... ... ...  
Dividend Per Share IDR ... ... ...  
Price/Earnings (P/E) ... ... ...  
Price/Book Value (P/BV) ... ... ...  
Dividend Yield % ... ... ...  
income statement Unit 2015 2016 2017 2018
income statement        
Interest Income IDR bil 1,563 2,226    
Interest Cost IDR bil 247 290    
Net Interest Income IDR bil 1,315 1,936    
Net Fee Income IDR bil 0.369 0.203    
Other Income IDR bil 1.87 1.22    
Total Revenues IDR bil 1,318 1,938    
Staff Cost IDR bil 622 771    
Operating Cost IDR bil 1,005 1,268    
Operating Profit IDR bil 313 670    
Provisions IDR bil 62.5 115    
Extra and Other Cost IDR bil -0.360 -0.914    
Pre-Tax Profit IDR bil 251 556    
Tax IDR bil 62.1 143    
Minorities IDR bil 0 0    
Net Profit IDR bil 188 413    
Dividends IDR bil ... ... ...  
growth rates        
Net Interest Income Growth % ... 47.2    
Net Fee Income Growth % ... -45.0    
Total Revenue Growth % ... 47.0    
Operating Cost Growth % ... 26.1    
Operating Profit Growth % ... 114    
Pre-Tax Profit Growth % ... 122    
Net Profit Growth % ... 119    
market share        
Market Share in Revenues % 0.301 0.384   ...
Market Share in Net Profit % 0.190 0.437   ...
balance sheet Unit 2015 2016 2017 2018
balance sheet        
Cash IDR bil 760 1,741    
Interbank Loans IDR bil 425 34.5    
Customer Loans IDR bil 3,658 4,941    
Debt Securities IDR bil 0 0    
Fixed Assets IDR bil 175 186    
Intangible Assets IDR bil 22.4 36.4    
Goodwill IDR bil 0 0    
Total Assets IDR bil 5,196 7,323    
Shareholders' Equity IDR bil 1,163 1,593    
Of Which Minority Interest IDR bil 0 0    
Liabilities IDR bil 4,033 5,731    
Interbank Borrowing IDR bil 3,050 4,393    
Customer Deposits IDR bil 759 993    
Sight Deposits IDR bil 28.8 13.4    
Term Deposits IDR bil 730 979    
Issued Debt Securities IDR bil 1.06 1.57    
Other Liabilities IDR bil 223 343    
asset quality        
Gross Loans IDR bil 3,720 5,055    
Total Provisions IDR bil 62.0 114    
growth rates        
Customer Loan Growth % ... 35.1    
Total Asset Growth % ... 40.9    
Shareholders' Equity Growth % ... 36.9    
Customer Deposit Growth % ... 30.9    
market share        
Market Share in Customer Loans % 0.089 0.113   ...
Market Share in Total Assets % 0.085 0.110   ...
Market Share in Customer Deposits % 0.019 0.022   ...
ratios Unit 2015 2016 2017 2018
ratios        
ROE % ... 29.9    
ROA % ... 6.59    
Costs (As % Of Assets) % ... 20.3    
Costs (As % Of Income) % 76.3 65.4    
Capital Adequacy Ratio % 19.9 23.8    
Net Interest Margin % ... 30.9    
Interest Spread % ... 29.6    
Asset Yield % ... 35.6    
Cost Of Liabilities % ... 5.95    
Payout Ratio % ... ... ...  
Interest Income (As % Of Revenues) % 99.8 99.9    
Fee Income (As % Of Revenues) % 0.028 0.010    
Other Income (As % Of Revenues) % 0.142 0.063    
Cost Per Employee USD per month 311 400    
Cost Per Employee (Local Currency) IDR per month 4,076,290 5,443,480    
Staff Cost (As % Of Total Cost) % 61.9 60.8    
Equity (As % Of Assets) % 22.4 21.7    
Loans (As % Of Deposits) % 482 498    
Loans (As % Assets) % 70.4 67.5    
Provisions (As % Of Loans) % 1.69 2.30    
Cost of Provisions (As % Of Loans) % ... 2.68    
other data Unit 2015 2016 2017 2018
other data        
Employees 12,712 11,804    
Sight (As % Of Customer Deposits) % 3.79 1.35    
Risk-Weighted Assets IDR bil 5,339 6,390    
Return on Loans % ... 9.60    
Operating Profit (As % of Loans) % ... 15.6    
Costs (As % Of Loans) % ... 29.5    
Equity (As % Of Loans) % 31.8 32.2    

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Bank Tabungan Pensiunan Nasional's net interest margin rose 0.951% yoy to 29.1% in 3Q2019

By Helgi Analytics - March 4, 2020

Bank Tabungan Pensiunan Nasional's net interest margin amounted to 29.1% in the third quarter of 2019, up from 28.7% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 29.3% in 1Q2018 and an all ti...

Bank Tabungan Pensiunan Nasional's price/earnings (P/E) rose 35.3% yoy to 17.3 in 3Q2019

By Helgi Analytics - March 4, 2020

Bank Tabungan Pensiunan Nasional stock traded at IDR 3,300 per share at the end third quarter of 2019 implying a market capitalization of USD 1,793 mil. Since the end of 3Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute term...

Bank Tabungan Pensiunan Nasional's equity (as % of assets) rose 3.49% yoy to 34.0% in 3Q2019

By Helgi Analytics - March 4, 2020

Bank Tabungan Pensiunan Nasional's Equity reached 34.0% of total assets in the 3Q2019, up from 32.8% for the previous year. As a share of net customer loans, the ratio amounted to 56.7% at the end of the third quarter of 2019. ...

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