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Bank Woori Saudara Indonesia 1906

MUN:T3A
Snowflake Description

Good value with adequate balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
T3A
MUN
IDR5,594B
Market Cap
  1. Home
  2. DE
  3. Banks
Company description

PT Bank Woori Saudara Indonesia 1906 Tbk provides various commercial banking products and services in Indonesia. The last earnings update was 20 days ago. More info.


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T3A Share Price and Events
7 Day Returns
0%
MUN:T3A
4.8%
DE Banks
2.1%
DE Market
1 Year Returns
20%
MUN:T3A
-33.6%
DE Banks
-7.6%
DE Market
T3A Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bank Woori Saudara Indonesia 1906 (T3A) 0% 0% 0% 20% -48.6% -
DE Banks 4.8% 6.8% 11.9% -33.6% -5.5% -21.2%
DE Market 2.1% 3.6% 8.1% -7.6% 9.8% 12.4%
1 Year Return vs Industry and Market
  • T3A outperformed the Banks industry which returned -33.6% over the past year.
  • T3A outperformed the Market in Germany which returned -7.6% over the past year.
Price Volatility
T3A
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Bank Woori Saudara Indonesia 1906's competitors could be found in our database.

Value

 Is Bank Woori Saudara Indonesia 1906 undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Bank Woori Saudara Indonesia 1906 to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Bank Woori Saudara Indonesia 1906.

MUN:T3A Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= IDR903.25 * 8.6%
IDR77.71
Book Value of Equity per Share Median Book Value from the past 5 years. IDR903.25
Discount Rate (Cost of Equity) See below 6.5%
Perpetual Growth Rate 10-Year DE Government Bond Rate 0.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for MUN:T3A
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate 0.2%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.598 (1 + (1- 25%) (109.53%))
1.059
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.06
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.23% + (1.059 * 5.96%)
6.54%

Discounted Cash Flow Calculation for MUN:T3A using Excess Returns Model Model

The calculations below outline how an intrinsic value for Bank Woori Saudara Indonesia 1906 is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

MUN:T3A Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (8.6% – 6.54%) * IDR903.25)
IDR18.62
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= IDR18.62 / (6.54% - 0.23%)
IDR295.02
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= IDR903.25 + IDR295.02
IDR1198.27
MUN:T3A Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in MUN:T3A represents 4.0E-5x of IDX:SDRA
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
4.0E-5x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (IDR) x Listing Adjustment Factor
= IDR 1,198.27 x 4.0E-5
€0.05
Value per share (EUR) From above. €0.05
Current discount Discount to share price of €0.04
= -1 x (€0.04 - €0.05) / €0.05
29.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Bank Woori Saudara Indonesia 1906 is available for.
Intrinsic value
29%
Share price is €0.036 vs Future cash flow value of €0.05075
Current Discount Checks
For Bank Woori Saudara Indonesia 1906 to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Bank Woori Saudara Indonesia 1906's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Bank Woori Saudara Indonesia 1906's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bank Woori Saudara Indonesia 1906's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bank Woori Saudara Indonesia 1906's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
MUN:T3A PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in IDR IDR81.75
IDX:SDRA Share Price ** IDX (2019-03-20) in IDR IDR850
Germany Banks Industry PE Ratio Median Figure of 6 Publicly-Listed Banks Companies 14.62x
Germany Market PE Ratio Median Figure of 423 Publicly-Listed Companies 18.91x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bank Woori Saudara Indonesia 1906.

MUN:T3A PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= IDX:SDRA Share Price ÷ EPS (both in IDR)

= 850 ÷ 81.75

10.4x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank Woori Saudara Indonesia 1906 is good value based on earnings compared to the DE Banks industry average.
  • Bank Woori Saudara Indonesia 1906 is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Bank Woori Saudara Indonesia 1906's expected growth come at a high price?
Raw Data
MUN:T3A PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 10.4x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
-0.8%per year
Europe Banks Industry PEG Ratio Median Figure of 108 Publicly-Listed Banks Companies 0.74x
Germany Market PEG Ratio Median Figure of 276 Publicly-Listed Companies 1.44x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Bank Woori Saudara Indonesia 1906, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Bank Woori Saudara Indonesia 1906's assets?
Raw Data
MUN:T3A PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in IDR IDR995.37
IDX:SDRA Share Price * IDX (2019-03-20) in IDR IDR850
Germany Banks Industry PB Ratio Median Figure of 6 Publicly-Listed Banks Companies 0.89x
Germany Market PB Ratio Median Figure of 570 Publicly-Listed Companies 1.79x
MUN:T3A PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= IDX:SDRA Share Price ÷ Book Value per Share (both in IDR)

= 850 ÷ 995.37

0.85x

* Primary Listing of Bank Woori Saudara Indonesia 1906.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank Woori Saudara Indonesia 1906 is good value based on assets compared to the DE Banks industry average.
X
Value checks
We assess Bank Woori Saudara Indonesia 1906's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Bank Woori Saudara Indonesia 1906 has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Bank Woori Saudara Indonesia 1906 expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Bank Woori Saudara Indonesia 1906, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-0.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bank Woori Saudara Indonesia 1906 expected to grow at an attractive rate?
  • Bank Woori Saudara Indonesia 1906's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 0.2%.
Growth vs Market Checks
  • Bank Woori Saudara Indonesia 1906's earnings are expected to decrease over the next 1-3 years, this is below the Germany market average.
  • Unable to compare Bank Woori Saudara Indonesia 1906's revenue growth to the Germany market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
MUN:T3A Future Growth Rates Data Sources
Data Point Source Value (per year)
MUN:T3A Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts -0.8%
Germany Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.3%
Europe Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.1%
Germany Market Earnings Growth Rate Market Cap Weighted Average 11.4%
Germany Market Revenue Growth Rate Market Cap Weighted Average 5.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
MUN:T3A Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in IDR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
MUN:T3A Past Financials Data
Date (Data in IDR Millions) Revenue Cash Flow Net Income *
2018-12-31 1,434,075 -3,109,964 537,971
2018-09-30 1,404,940 -3,377,729 509,306
2018-06-30 1,403,480 -2,463,570 515,313
2018-03-31 1,315,178 -2,448,942 446,035
2017-12-31 1,291,247 -2,045,624 438,725
2017-09-30 1,228,215 -2,041,736 391,964
2017-06-30 1,193,224 -2,506,250 394,175
2017-03-31 1,182,115 -2,479,357 403,828
2016-12-31 1,088,698 -2,095,601 309,816
2016-09-30 1,050,855 45,768 280,407
2016-06-30 1,002,031 -204,531 228,131
2016-03-31 948,419 -1,478,946 214,577

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bank Woori Saudara Indonesia 1906's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Unable to determine if Bank Woori Saudara Indonesia 1906 is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
MUN:T3A Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Bank Woori Saudara Indonesia 1906 Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

MUN:T3A Past Financials Data
Date (Data in IDR Millions) EPS *
2018-12-31 81.75
2018-09-30 77.39
2018-06-30 70.25
2018-03-31 64.10
2017-12-31 66.67
2017-09-30 63.18
2017-06-30 77.72
2017-03-31 79.62
2016-12-31 61.08
2016-09-30 55.29
2016-06-30 44.98
2016-03-31 42.30

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Bank Woori Saudara Indonesia 1906 will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Bank Woori Saudara Indonesia 1906's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bank Woori Saudara Indonesia 1906 has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Bank Woori Saudara Indonesia 1906 performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bank Woori Saudara Indonesia 1906's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Bank Woori Saudara Indonesia 1906 has delivered over 20% year on year earnings growth in the past 5 years.
  • Bank Woori Saudara Indonesia 1906's 1-year earnings growth is less than its 5-year average (22.6% vs 25.7%)
  • Bank Woori Saudara Indonesia 1906's earnings growth has exceeded the DE Banks industry average in the past year (22.6% vs 5.5%).
Earnings and Revenue History
Bank Woori Saudara Indonesia 1906's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bank Woori Saudara Indonesia 1906 Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

MUN:T3A Past Revenue, Cash Flow and Net Income Data
Date (Data in IDR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 1,434,075.00 537,971.00 660,473.00
2018-09-30 1,404,940.00 509,306.00 649,428.00
2018-06-30 1,403,480.00 515,313.00 643,912.00
2018-03-31 1,315,178.00 446,035.00 658,575.00
2017-12-31 1,291,247.00 438,725.00 656,507.00
2017-09-30 1,228,215.00 391,964.00 663,188.00
2017-06-30 1,193,224.00 394,175.00 643,667.00
2017-03-31 1,182,115.00 403,828.00 639,350.00
2016-12-31 1,088,698.00 309,816.00 642,295.00
2016-09-30 1,050,855.00 280,407.00 602,088.00
2016-06-30 1,002,031.00 228,131.00 615,024.00
2016-03-31 948,419.00 214,577.00 594,497.00
2015-12-31 950,196.00 265,230.00 558,858.00
2015-09-30 774,145.00 250,995.00 435,196.00
2015-06-30 588,887.00 219,475.00 304,126.00
2015-03-31 454,755.00 177,130.00 195,204.00
2014-12-31 324,120.00 138,073.00 103,016.00
2013-12-31 377,642.00 202,085.00 100,636.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bank Woori Saudara Indonesia 1906 has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bank Woori Saudara Indonesia 1906 used its assets more efficiently than the DE Banks industry average last year based on Return on Assets.
  • Unable to establish if Bank Woori Saudara Indonesia 1906 improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Bank Woori Saudara Indonesia 1906's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bank Woori Saudara Indonesia 1906 has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Bank Woori Saudara Indonesia 1906's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Bank Woori Saudara Indonesia 1906's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bank Woori Saudara Indonesia 1906 Company Filings, last reported 2 months ago.

MUN:T3A Past Debt and Equity Data
Date (Data in IDR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 6,550,468.00 6,126,640.00 1,211,947.00
2018-09-30 6,398,942.00 5,108,077.00 1,190,604.00
2018-06-30 6,306,376.00 3,999,467.00 781,558.00
2018-03-31 6,258,089.00 2,269,895.00 1,873,357.00
2017-12-31 6,106,998.00 2,240,525.00 1,625,200.00
2017-09-30 6,002,330.00 2,159,615.00 2,965,469.00
2017-06-30 4,581,622.00 1,641,643.00 464,372.00
2017-03-31 4,562,183.00 2,045,815.00 1,818,185.00
2016-12-31 4,411,890.00 2,066,868.00 851,192.00
2016-09-30 4,347,767.00 977,901.00 1,335,327.00
2016-06-30 4,246,635.00 1,314,909.00 1,268,864.00
2016-03-31 4,200,127.00 592,411.00 1,839,592.00
2015-12-31 4,135,931.00 1,017,300.00 1,644,289.00
2015-09-30 4,070,297.00 1,066,385.00 1,722,339.00
2015-06-30 4,049,897.00 1,342,678.00 1,235,956.00
2015-03-31 4,020,575.00 987,282.00 1,540,985.00
2014-12-31 3,904,265.00 774,788.00 932,042.00
2013-12-31 1,647,962.00 626,755.00 161,382.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Bank Woori Saudara Indonesia 1906 has an acceptable proportion of non-loan assets held.
  • Bank Woori Saudara Indonesia 1906's liabilities are made up of primarily low risk sources of funding.
  • Bank Woori Saudara Indonesia 1906 has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
  • Bank Woori Saudara Indonesia 1906's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Bank Woori Saudara Indonesia 1906 has a low allowance for bad loans.
  • Bank Woori Saudara Indonesia 1906 has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Bank Woori Saudara Indonesia 1906's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Bank Woori Saudara Indonesia 1906 has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Bank Woori Saudara Indonesia 1906's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Bank Woori Saudara Indonesia 1906 dividends.
If you bought €2,000 of Bank Woori Saudara Indonesia 1906 shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Bank Woori Saudara Indonesia 1906's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Bank Woori Saudara Indonesia 1906's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
MUN:T3A Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Germany Banks Industry Average Dividend Yield Market Cap Weighted Average of 6 Stocks 3%
Germany Market Average Dividend Yield Market Cap Weighted Average of 331 Stocks 3.1%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.5%
Germany Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Bank Woori Saudara Indonesia 1906 has not reported any payouts.
  • Unable to verify if Bank Woori Saudara Indonesia 1906's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Bank Woori Saudara Indonesia 1906's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Bank Woori Saudara Indonesia 1906 has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Bank Woori Saudara Indonesia 1906's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bank Woori Saudara Indonesia 1906 afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bank Woori Saudara Indonesia 1906 has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Bank Woori Saudara Indonesia 1906's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Choi Hoon
AGE 59
TENURE AS CEO 1.2 years
CEO Bio

Mr. Choi Jung Hoon serves as President Director at PT Bank Woori Saudara Indonesia 1906, Tbk since 2018. His career in banking began in 1994 with Woori Bank Korea and various managerial positions at Woori Bank Korea, including Senior General Manager - International Trade Service Center (2012-2013), Senior General Manager - Management Audit Department (2013), Senior General Manager - Songpa Regional Banking Headquarter (2013-2014), Managing Director - International Trade Business Division (2014-2015) and most recently served as Executive Vice President (CRO) - Risk Management Group (2015-2017). He obtained a Bachelor of Arts majoring in law from Chung-Ang University, Korea in 1983 and a Master of Business Administration from Kobe University, Japan in 1999.

CEO Compensation
  • Insufficient data for Choi to compare compensation growth.
  • Insufficient data for Choi to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team Tenure

Average tenure of the Bank Woori Saudara Indonesia 1906 management team in years:

1.8
Average Tenure
  • The average tenure for the Bank Woori Saudara Indonesia 1906 management team is less than 2 years, this suggests a new team.
Management Team

Choi Hoon

TITLE
President Director
AGE
59
TENURE
1.2 yrs

Gunawan Goi

TITLE
Head of Network & Operation Division

Wuryanto Suyud

TITLE
Head of Accounting & General Affair Division

Barlian Johan

TITLE
Head of Risk Management & Compliance Division

Akhmad Syailendra

TITLE
Human Capital Division Head
TENURE
2.5 yrs

Arinto Hartoyo

TITLE
Head of Internal Audit Division
AGE
47
TENURE
1.2 yrs

Kim Wook

TITLE
Strategic & Financial Planning Division Head
TENURE
2.6 yrs

Ji Rho

TITLE
Head of Product & Services Division

Jae Oh

TITLE
Head of Corporate Business Support Division

Hyeongjun Kwon

TITLE
Head of Synergy Marketing Division
Board of Directors Tenure

Average tenure and age of the Bank Woori Saudara Indonesia 1906 board of directors in years:

1.6
Average Tenure
59.5
Average Age
  • The average tenure for the Bank Woori Saudara Indonesia 1906 board of directors is less than 3 years, this suggests a new board.
Board of Directors

I. Mudiastra

TITLE
Risk & Compliance Director
AGE
61
TENURE
2.6 yrs

Sadhana Priatmadja

TITLE
Business Support Director & Director
AGE
53
TENURE
1.2 yrs

Farid Rahman

TITLE
President Commissioner
AGE
60
TENURE
2 yrs

Choi Hoon

TITLE
President Director
AGE
59
TENURE
1.2 yrs

Raden Ahmad Setiadjaja

TITLE
Independent Commissioner
AGE
62
TENURE
7.8 yrs

Ahmad Fajarprana

TITLE
Independent Commissioner
AGE
60
TENURE
4.3 yrs

Vicky Fitriadi

TITLE
Director of IT Networks & Operations and Director
AGE
50
TENURE
0.8 yrs

Young Park

TITLE
Director
AGE
54

Mochamad Budiono

TITLE
Director
AGE
54
TENURE
0.8 yrs

Kim Soo

TITLE
Independent Commissioner
AGE
62
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Bank Woori Saudara Indonesia 1906's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Bank Woori Saudara Indonesia 1906 has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

PT Bank Woori Saudara Indonesia 1906 Tbk provides various commercial banking products and services in Indonesia. The company provides current and savings, time and demand deposits, and certificates of deposit and employee, worker, and franchise loans; micro, small, and medium enterprises loans; mortgage loans; loans financing for pensioners, as well as for employees who are entering retirement preparation period; and loans to pensioners who have an annuity facility. It also offers remittance collection/clearing, ATM, telephone and credit card bill payment, bancassurance, bank mediation, money transfer, international banking, phone banking, and electronic data capture services. The company was founded in 1995 and is headquartered in Bandung, Indonesia. PT Bank Woori Saudara Indonesia 1906 Tbk is a subsidiary of Woori Bank Co., Ltd.

Details
Name: PT Bank Woori Saudara Indonesia 1906 Tbk
T3A
Exchange: MUN
Founded: 1995
IDR347,520,351
6,580,926,254
Website: http://www.bankwoorisaudara.com
Address: PT Bank Woori Saudara Indonesia 1906 Tbk
Gedung Bank Woori Saudara,
Jalan Diponegoro No.28,
Bandung,
Jawa Barat, 40115,
Indonesia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
IDX SDRA Ordinary Shares Indonesia Stock Exchange ID IDR 02. Jan 2015
MUN T3A Ordinary Shares Boerse Muenchen DE EUR 02. Jan 2015
Number of employees
Current staff
Staff numbers
1,148
Bank Woori Saudara Indonesia 1906 employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/20 21:06
End of day share price update: 2019/03/20 00:00
Last earnings filing: 2019/02/28
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.