OTCPK:PBCR.F

Stock Analysis Report

Executive Summary

PT Bank Central Asia Tbk provides banking products and services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.


Similar Companies

Share Price & News

How has Bank Central Asia's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:PBCR.F

-2.6%

US Banks

-1.0%

US Market


1 Year Return

27.4%

OTCPK:PBCR.F

-14.2%

US Banks

-0.4%

US Market

PBCR.F outperformed the Banks industry which returned -16.1% over the past year.

PBCR.F outperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

PBCR.FIndustryMarket
7 Day0%-2.6%-1.0%
30 Day-5.7%-5.5%-3.3%
90 Day17.6%-3.5%0.4%
1 Year27.4%27.4%-11.8%-14.2%1.8%-0.4%
3 Year69.5%69.5%42.2%32.4%39.4%30.4%
5 Year115.1%115.1%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Bank Central Asia's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank Central Asia undervalued based on future cash flows and its price relative to the stock market?

26.92x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Bank Central Asia's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Bank Central Asia's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Bank Central Asia is overvalued based on earnings compared to the US Banks industry average.

Bank Central Asia is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Bank Central Asia is poor value based on expected growth next year.


Price Based on Value of Assets

Bank Central Asia is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Bank Central Asia expected to perform in the next 1 to 3 years based on estimates from 19 analysts?

12.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Bank Central Asia's revenue is expected to grow by 11.2% yearly, however this is not considered high growth (20% yearly).

Bank Central Asia's earnings are expected to grow by 12% yearly, however this is not considered high growth (20% yearly).

Bank Central Asia's revenue growth is expected to exceed the United States of America market average.

Bank Central Asia's earnings growth is positive but not above the United States of America market average.

Bank Central Asia's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Bank Central Asia is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Bank Central Asia performed over the past 5 years?

11.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Bank Central Asia's year on year earnings growth rate has been positive over the past 5 years.

Bank Central Asia's 1-year earnings growth exceeds its 5-year average (12.8% vs 11.3%)

Bank Central Asia's earnings growth has not exceeded the US Banks industry average in the past year (12.8% vs 33.2%).


Return on Equity

Bank Central Asia has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Bank Central Asia used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Bank Central Asia improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Bank Central Asia'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


Financial Institutions Analysis

Bank Central Asia has an acceptable proportion of non-loan assets held.

Bank Central Asia has a sufficient allowance for bad loans.

Bank Central Asia's liabilities are made up of primarily low risk sources of funding.

Bank Central Asia's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Bank Central Asia are broadly funded by customer deposits.

Bank Central Asia has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Bank Central Asia's current dividend yield, its reliability and sustainability?

1.40%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Bank Central Asia's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Bank Central Asia's dividend is below the markets top 25% of dividend payers in United States of America (3.9%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4.3x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (3.2x coverage).


Next Steps

Management

What is the CEO of Bank Central Asia's salary, the management and board of directors tenure and is there insider trading?

5.6yrs

Average management tenure


CEO

Jahja Setiaatmadja (63yo)

8.2yrs

Tenure

Mr. Jahja Setiaatmadja has been the President Director of PT Bank Central Asia Tbk (“BCA”) since June 7, 2011. He previously served as Deputy President Director of BCA (2005–2011), his latest responsibilit ...


Management Age and Tenure

5.6yrs

Average Tenure

58.5yo

Average Age

The average tenure for the Bank Central Asia management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

3.1yrs

Average Tenure

57.5yo

Average Age

The tenure for the Bank Central Asia board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Hendra Tanumihardja (46yo)

    Head of Human Capital Management Division

    • Tenure: 3.0yrs
  • Lay Santoso

    Head of Corporate Finance Group

  • Raymon Yonarto

    Executive VP and Head of Finance & Corporate Planning Division

  • Mira Wibowo

    Head of Transaction Banking Business Development & Marketing Division

  • Gunewan Ruslie

    Head of Finance & Accounting

  • Suwignyo Budiman (68yo)

    Deputy President Director & Director of Individual Banking

  • Wira Chandra (54yo)

    Executive Vice President of Group Corporate Banking & Corporate Finance

  • Inawaty Suwardi (67yo)

    Director of Compliance

    • Tenure: 0.3yrs
  • Jahja Setiaatmadja (63yo)

    President Director

    • Tenure: 8.2yrs
  • Lianawaty Suwono (52yo)

    Director of Human Capital Management & Director

    • Tenure: 13.6yrs

Board Members

  • Erwan Ang (59yo)

    Director of Regional & Branch Networks and Independent Director

    • Tenure: 8.0yrs
  • Rudy Susanto (56yo)

    Corporate Banking Director & Director

    • Tenure: 5.1yrs
  • Vera Lim (53yo)

    Finance Director

    • Tenure: 1.3yrs
  • Charles Santoso (53yo)

    Director of Transaction Banking & Director

    • Tenure: 3.0yrs
  • Armand Hartono (43yo)

    Deputy President Director

    • Tenure: 3.2yrs
  • Suwignyo Budiman (68yo)

    Deputy President Director & Director of Individual Banking

    • Tenure: 0.3yrs
  • Henry Koenaifi (59yo)

    Director of SME & Commercial Banking and Director

    • Tenure: 12.6yrs
  • Inawaty Suwardi (67yo)

    Director of Compliance

    • Tenure: 3.0yrs
  • Jahja Setiaatmadja (63yo)

    President Director

    • Tenure: 8.2yrs
  • Lianawaty Suwono (52yo)

    Director of Human Capital Management & Director

    • Tenure: 3.1yrs

Company Information

PT Bank Central Asia Tbk's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PT Bank Central Asia Tbk
  • Ticker: PBCR.F
  • Exchange: OTCPK
  • Founded: 1955
  • Industry: diversified banks
  • Sector: banks
  • Market Cap: Rp734.719t
  • Listing Market Cap: Rp51.668b
  • Shares outstanding: 24.66b
  • Website: Click here

Number of Employees


Location

  • PT Bank Central Asia Tbk
  • Menara BCA
  • Grand Indonesia
  • Jakarta
  • 10310
  • Indonesia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BBCAIDX (Indonesia Stock Exchange)YesCommon SharesIDIDRMay 2000
PBCR.FOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDMay 2000
BZG2DB (Deutsche Boerse AG)YesCommon SharesDEEURMay 2000
PBCR.YOTCPK (Pink Sheets LLC)UNSPONSORD ADRUSUSDJan 2012

Biography

PT Bank Central Asia Tbk provides banking products and services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally. It offers deposits accounts, loans, tra ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 00:18
End of Day Share Price2019/08/07 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.