MUN:T3A

Stock Analysis Report

Bank Woori Saudara Indonesia 1906

Executive Summary

PT Bank Woori Saudara Indonesia 1906 Tbk provides various commercial banking products and services in Indonesia.

Snowflake

Fundamentals

Adequate balance sheet with acceptable track record.

Share Price & News

How has Bank Woori Saudara Indonesia 1906's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

T3A

5.2%

DE Banks

3.9%

DE Market


1 Year Return

16.7%

T3A

-29.3%

DE Banks

3.4%

DE Market


Shareholder returns

T3AIndustryMarket
7 Day0%5.2%3.9%
30 Day0%0.8%2.1%
90 Day0%-7.7%3.7%
1 Year19.8%16.7%-27.1%-29.3%6.7%3.4%
3 Year-21.1%-30.0%-4.9%-9.6%18.9%8.6%
5 Yearn/a-12.1%-33.4%41.8%22.5%

Price Volatility Vs. Market

How volatile is Bank Woori Saudara Indonesia 1906's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank Woori Saudara Indonesia 1906 undervalued compared to its fair value and its price relative to the market?

11.2%

Undervalued compared to fair value


Share Price vs. Fair Value

Undervalued:

Significantly Undervalued: T3A is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: T3A is good value based on its PE Ratio (10x) compared to the Banks industry average (15.8x).

PE vs Market: T3A is good value based on its PE Ratio (10x) compared to the German market (19.4x).


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate T3A's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: T3A is overvalued based on its PB Ratio (0.8x) compared to the DE Banks industry average (0.8x).


Next Steps

Future Growth

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

-3.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: T3A's earnings are forecast to decline over the next 3 years (-3.1% per year).

Earnings vs Market: T3A's earnings are forecast to decline over the next 3 years (-3.1% per year).

High Growth Earnings: T3A's earnings are forecast to decline over the next 3 years.

Revenue vs Market: Insufficient data to determine if T3A's revenue is forecast to grow faster than the German market.

High Growth Revenue: Insufficient data to determine if T3A's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

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

26.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: T3A's earnings have grown significantly by 26.2% per year over the past 5 years.

Accelerating Growth: T3A's earnings growth over the past year (4.6%) is below its 5-year average (26.2% per year).

Earnings vs Industry: T3A earnings growth over the past year (4.6%) exceeded the Banks industry -11.7%.


Return on Equity

High ROE: T3A's Return on Equity (8%) is considered low.


Return on Assets

ROA vs Industry: T3A has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate T3A's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: T3A's level of assets compared to its equity is low.

Allowance for Bad Loans: T3A has a low allowance for bad loans.

Low Risk Liabilities: T3A's liabilities are made up of primarily low risk sources of funding.

Loan Level: T3A has an acceptable proportion of non-loan assets held.

Low Risk Deposits:

Level of Bad Loans: T3A has an appropriate level of bad loans (1.88%)


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage3.7%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate T3A's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate T3A's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if T3A's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if T3A's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of T3A's dividend in 3 years as they are not forecast to pay a notable one for the German market.


Next Steps

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?

2.3yrs

Average management tenure


CEO

Choi Hoon (60yo)

1.6yrs

Tenure

0

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  ...


Management Age and Tenure

2.3yrs

Average Tenure

Experienced Management: T3A's management team is considered experienced (2.3 years average tenure).


Board Age and Tenure

2.4yrs

Average Tenure

61yo

Average Age

Experienced Board: T3A's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Arinto Hartoyo (48yo)

    Head of Internal Audit Division

    • Tenure: 1.6yrs
  • Wuryanto Suyud

    Head of Accounting & General Affair Division

    • Tenure: 0yrs
  • Kim Wook

    Strategic & Financial Planning Division Head

    • Tenure: 3yrs
  • Ji Rho

    Head of Product & Services Division

    • Tenure: 0yrs
  • Akhmad Syailendra

    Human Capital Division Head

    • Tenure: 2.9yrs
  • Choi Hoon (60yo)

    President Director

    • Tenure: 1.6yrs
  • Jae Oh

    Head of Corporate Business Support Division

    • Tenure: 0yrs
  • Hyeongjun Kwon

    Head of Synergy Marketing Division

    • Tenure: 0yrs
  • Gunawan Goi

    Head of Network & Operation Division

    • Tenure: 0yrs
  • Barlian Johan

    Head of Risk Management & Compliance Division

    • Tenure: 0yrs

Board Members

  • Farid Rahman (61yo)

    President Commissioner

    • Tenure: 2.4yrs
  • Raden Ahmad Setiadjaja (63yo)

    Independent Commissioner

    • Tenure: 8.3yrs
  • Ahmad Fajarprana (61yo)

    Independent Commissioner

    • Tenure: 4.7yrs
  • Kim Soo (63yo)

    Independent Commissioner

    • Tenure: 0yrs
  • I. Mudiastra (62yo)

    Risk & Compliance Director

    • Tenure: 3yrs
  • Sadhana Priatmadja (54yo)

    Business Support Director & Director

    • Tenure: 1.6yrs
  • Young Park (55yo)

    Director

    • Tenure: 0yrs
  • Mochamad Budiono (55yo)

    Director

    • Tenure: 1.2yrs
  • Choi Hoon (60yo)

    President Director

    • Tenure: 1.6yrs

Company Information

PT Bank Woori Saudara Indonesia 1906 Tbk's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PT Bank Woori Saudara Indonesia 1906 Tbk
  • Ticker: T3A
  • Exchange: MUN
  • Founded: 1974
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: Rp5.363t
  • Listing Market Cap: Rp339.261m
  • Shares outstanding: 6.58b
  • Website: https://www.bankwoorisaudara.com

Number of Employees


Location

  • PT Bank Woori Saudara Indonesia 1906 Tbk
  • Treasury Tower Building
  • 26th and 27th Floor
  • Jakarta
  • Jakarta Raya
  • 12190
  • Indonesia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SDRAIDX (Indonesia Stock Exchange)YesOrdinary SharesIDIDRJan 2015
T3AMUN (Boerse Muenchen)YesOrdinary SharesDEEURJan 2015

Biography

PT Bank Woori Saudara Indonesia 1906 Tbk provides various commercial banking products and services in Indonesia. The company provides current and savings accounts, time and demand deposits, and certificate ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/27 20:54
End of Day Share Price2019/05/30 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.