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Bank Tabungan Pensiunan Nasional

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

By Helgi Library - 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 Library - 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 Library - 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...

Annual Quarterly LTM
Profit Statement Mar 2019 Jun 2019 Sep 2019
Net Interest Income IDR bil 857 949 1,036
Net Fee Income IDR bil 0.111 0.158 -0.269
Other Income IDR bil 1.58 1.74 3.58
Total Revenues IDR bil 859 951 1,039
Staff Cost IDR bil 258 275 263
Operating Profit IDR bil 453 503 565
Provisions IDR bil 62.6 74.1 74.9
Net Profit IDR bil 288 321 366
Balance Sheet Mar 2019 Jun 2019 Sep 2019
Interbank Loans IDR bil 52.3 72.8 52.4
Customer Loans IDR bil 7,365 8,394 8,734
Total Assets IDR bil 12,538 13,942 14,586
Shareholders' Equity IDR bil 4,283 4,601 4,954
Interbank Borrowing IDR bil 6,100 7,167 7,184
Customer Deposits IDR bil 1,717 1,716 1,842
Issued Debt Securities IDR bil 0.010 0.760 0.020
Ratios Mar 2019 Jun 2019 Sep 2019
ROE % 27.9 28.9 30.7
ROA % 9.39 9.71 10.3
Costs (As % Of Assets) % 13.2 13.5 13.3
Costs (As % Of Income) % 47.3 47.1 45.6
Capital Adequacy Ratio % 39.3 39.4 41.1
Net Interest Margin % 27.9 28.7 29.1
Loans (As % Of Deposits) % 429 489 474
NPLs (As % Of Loans) % 2.04 2.54 2.04
Provisions (As % Of NPLs) % 152 116 149
Valuation Mar 2019 Jun 2019 Sep 2019
Price/Earnings (P/E) 14.8 20.7 17.3
Price/Book Value (P/BV) 3.98 5.78 5.13
Earnings Per Share (EPS) IDR 150 167 190
Book Value Per Share IDR 556 597 643

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summary Unit Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
income statement                  
Net Interest Income IDR bil     699 753 793 835 857    
Total Revenues IDR bil     699 755 796 836 859    
Operating Profit IDR bil     344 382 409 435 453    
Net Profit IDR bil     212 237 250 264 288    
balance sheet                  
Interbank Loans IDR bil ...   572 120 157 317 52.3    
Customer Loans IDR bil ...   6,384 6,798 6,848 7,143 7,365    
Debt Securities IDR bil ...   525 1,010 1,506 1,038 1,310    
Total Assets IDR bil ...   9,942 10,727 11,305 12,039 12,538    
Shareholders' Equity IDR bil ...   2,849 3,444 3,711 3,997 4,283    
Interbank Borrowing IDR bil ...   5,428 5,609 5,734 5,993 6,100    
Customer Deposits IDR bil ...   1,355 1,412 1,518 1,619 1,717    
Issued Debt Securities IDR bil ...   0.785 0.750 0.750 0.020 0.010    
ratios                  
ROE % ... ... 33.2 30.2 28.0 27.4 27.9    
ROA % ... ... 8.88 9.18 9.09 9.05 9.39    
Costs (As % Of Assets) % ... ... 14.9 14.5 14.0 13.7 13.2    
Costs (As % Of Income) %     50.8 49.5 48.6 48.0 47.3    
Capital Adequacy Ratio % ...   32.9 36.9 39.7 40.9 39.3    
Net Interest Margin % ... ... 29.3 29.2 28.8 28.6 27.9    
Interest Income (As % Of Revenues) %     99.9 99.7 99.6 99.9 99.8    
Fee Income (As % Of Revenues) %     0.028 0.016 0.016 0.015 0.013    
Staff Cost (As % Of Total Cost) %     59.0 58.4 61.2 58.6 63.6    
Equity (As % Of Assets) % ...   28.7 32.1 32.8 33.2 34.2    
Loans (As % Of Deposits) % ...   471 481 451 441 429    
Loans (As % Assets) % ...   64.2 63.4 60.6 59.3 58.7    
NPLs (As % Of Loans) % ... ... ... ... ... ... 2.04    
Provisions (As % Of NPLs) % ... ... ... ... ... ... 152    
valuation                  
Market Capitalisation (End Of Period) USD mil ... ... ... 855 860 958 1,194    
Number Of Shares (Average) mil ... ... ... ... 7,710 7,707 7,704    
Share Price (End Of Period) IDR ... ... ... 1,585 1,665 1,795 2,210    
Earnings Per Share (EPS) IDR ... ... ... ... 130 137 150    
Book Value Per Share IDR ... ... ... ... 481 519 556    
Price/Earnings (P/E) ... ... ... ... 12.8 13.1 14.8    
Price/Book Value (P/BV) ... ... ... ... 3.46 3.46 3.98    
Earnings Per Share Growth % ... ... ... ... ... ... ... ...  
Book Value Per Share Growth % ... ... ... ... 19.3 19.9 22.7    
income statement Unit Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
income statement                  
Interest Income IDR bil     784 839 884 940 973    
Interest Cost IDR bil     85.4 85.5 91.7 105 115    
Net Interest Income IDR bil     699 753 793 835 857    
Net Fee Income IDR bil     0.199 0.121 0.127 0.124 0.111    
Other Income IDR bil     0.195 1.86 2.83 0.807 1.58    
Total Revenues IDR bil     699 755 796 836 859    
Staff Cost IDR bil     209 218 237 235 258    
Operating Cost IDR bil     355 374 387 401 406    
Operating Profit IDR bil     344 382 409 435 453    
Provisions IDR bil     59.6 61.2 70.9 77.1 62.6    
Extra and Other Cost IDR bil     0.044 0.155 2.13 1.37 0.718    
Pre-Tax Profit IDR bil     285 320 336 356 389    
Tax IDR bil     72.6 83.0 85.5 92.0 101    
Minorities IDR bil     0 0 0 0 0    
Net Profit IDR bil     212 237 250 264 288    
growth rates                  
Net Interest Income Growth % ... ... ... ... 19.3 19.9 22.7    
Net Fee Income Growth % ... ... ... ... -3.05 -28.7 -44.2    
Total Revenue Growth % ... ... ... ... 19.7 19.5 22.9    
Operating Cost Growth % ... ... ... ... 6.87 10.7 14.5    
Operating Profit Growth % ... ... ... ... 35.1 28.9 31.5    
Pre-Tax Profit Growth % ... ... ... ... 41.3 28.9 36.8    
Net Profit Growth % ... ... ... ... 41.7 31.4 36.1    
balance sheet Unit Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
balance sheet                  
Cash IDR bil ...   2,042 2,391 2,370 3,085 3,355    
Interbank Loans IDR bil ...   572 120 157 317 52.3    
Customer Loans IDR bil ...   6,384 6,798 6,848 7,143 7,365    
Debt Securities IDR bil ...   525 1,010 1,506 1,038 1,310    
Fixed Assets IDR bil ...   181 172 160 177 180    
Total Assets IDR bil ...   9,942 10,727 11,305 12,039 12,538    
Shareholders' Equity IDR bil ...   2,849 3,444 3,711 3,997 4,283    
Of Which Minority Interest IDR bil ...   0 0 0 0 0    
Liabilities IDR bil ...   7,092 7,283 7,595 8,042 8,255    
Interbank Borrowing IDR bil ...   5,428 5,609 5,734 5,993 6,100    
Customer Deposits IDR bil ...   1,355 1,412 1,518 1,619 1,717    
Sight Deposits IDR bil ...   96.4 97.7 99.2 100 113    
Term Deposits IDR bil ...   1,258 1,314 1,419 1,519 1,604    
Issued Debt Securities IDR bil ...   0.785 0.750 0.750 0.020 0.010    
asset quality                  
Non-Performing Loans IDR bil ... ... ... ... ... ... 155    
Gross Loans IDR bil ...   6,553 6,979 7,047 7,359 7,600    
Total Provisions IDR bil ...   169 181 199 216 235    
growth rates                  
Customer Loan Growth % ... ... ... ... ... 19.6 15.4    
Total Asset Growth % ... ... ... ... ... 31.5 26.1    
Shareholders' Equity Growth % ... ... ... ... ... 77.3 50.3    
Customer Deposit Growth % ... ... ... ... ... 24.8 26.7    
ratios Unit Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
ratios                  
ROE % ... ... 33.2 30.2 28.0 27.4 27.9    
ROA % ... ... 8.88 9.18 9.09 9.05 9.39    
Costs (As % Of Assets) % ... ... 14.9 14.5 14.0 13.7 13.2    
Costs (As % Of Income) %     50.8 49.5 48.6 48.0 47.3    
Capital Adequacy Ratio % ...   32.9 36.9 39.7 40.9 39.3    
Net Interest Margin % ... ... 29.3 29.2 28.8 28.6 27.9    
Interest Spread % ... ... 28.0 27.7 27.2 26.8 26.0    
Asset Yield % ... ... 32.8 32.5 32.1 32.2 31.7    
Cost Of Liabilities % ... ... 4.88 4.76 4.93 5.37 5.66    
Interest Income (As % Of Revenues) %     99.9 99.7 99.6 99.9 99.8    
Fee Income (As % Of Revenues) %     0.028 0.016 0.016 0.015 0.013    
Other Income (As % Of Revenues) %     0.028 0.247 0.356 0.097 0.183    
Cost Per Employee USD per month ...   410 423 456 463 520    
Cost Per Employee (Local Currency) IDR per month ...   5,591,100 5,956,110 6,688,940 6,804,440 7,466,850    
Staff Cost (As % Of Total Cost) %     59.0 58.4 61.2 58.6 63.6    
Equity (As % Of Assets) % ...   28.7 32.1 32.8 33.2 34.2    
Loans (As % Of Deposits) % ...   471 481 451 441 429    
Loans (As % Assets) % ...   64.2 63.4 60.6 59.3 58.7    
NPLs (As % Of Loans) % ... ... ... ... ... ... 2.04    
Provisions (As % Of NPLs) % ... ... ... ... ... ... 152    
Provisions (As % Of Loans) % ...   2.65 2.66 2.90 3.02 3.19    
Cost of Provisions (As % Of Loans) % ... ... 3.86 3.71 4.16 4.41 3.45    
other data Unit Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
other data                  
Employees ...   12,483 12,206 11,794 11,512 11,527    
Sight (As % Of Customer Deposits) % ...   7.12 6.92 6.53 6.20 6.59    
Risk-Weighted Assets IDR bil ...   ... 9,090 9,154 9,474 10,645    
Return on Loans % ... ... 13.7 12.5 13.2 13.8 14.3    
Operating Profit (As % of Loans) % ... ... ... 20.7 21.6 22.4 23.1    
Costs (As % Of Loans) % ... ... 23.0 22.7 22.7 22.3 22.3    
Equity (As % Of Loans) % ...   44.6 50.7 54.2 56.0 58.2    

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

By Helgi Library - 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 Library - 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 Library - 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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