Loading...

Bank Central Asia

OTCPK:PBCR.Y
Snowflake Description

Flawless balance sheet average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PBCR.Y
OTCPK
IDR678,013B
Market Cap
  1. Home
  2. US
  3. Banks
Company description

PT Bank Central Asia Tbk provides banking products and services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally. The last earnings update was 17 days ago. More info.


Add to Portfolio Compare Print
PBCR.Y Share Price and Events
7 Day Returns
0.5%
OTCPK:PBCR.Y
2.4%
US Banks
2.9%
US Market
1 Year Returns
16.8%
OTCPK:PBCR.Y
-9.8%
US Banks
1.4%
US Market
PBCR.Y Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bank Central Asia (PBCR.Y) 0.5% 0.3% 14% 16.8% 82.5% 102.8%
US Banks 2.4% 2.7% 11.8% -9.8% 48.9% 40.9%
US Market 2.9% 2.5% 10% 1.4% 38.3% 42%
1 Year Return vs Industry and Market
  • PBCR.Y outperformed the Banks industry which returned -9.8% over the past year.
  • PBCR.Y outperformed the Market in United States of America which returned 1.4% over the past year.
Price Volatility
PBCR.Y
Industry
5yr Volatility vs Market

PBCR.Y Value

 Is Bank Central Asia 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 Central Asia 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    Our intrinsic value calculation method has changed recently, learn more here.

Below are the data sources, inputs and calculation used to determine the intrinsic value for Bank Central Asia.

OTCPK:PBCR.Y Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 17 analysts.
= Stable Book Value * Return on Equity
= IDR7,702.36 * 18%
IDR1,384.97
Book Value of Equity per Share Weighted future Book Value estimates from 17 analysts. IDR7,702.36
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

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 OTCPK:PBCR.Y
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.64
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.637 (1 + (1- 25%) (0.46%))
0.758
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for OTCPK:PBCR.Y using Excess Returns Model Model

The calculations below outline how an intrinsic value for Bank Central Asia 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.

OTCPK:PBCR.Y Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (18% – 7.5%) * IDR7,702.36)
IDR807.44
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= IDR807.44 / (7.5% - 2.73%)
IDR16,934.62
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= IDR7,702.36 + IDR16,934.62
IDR24636.98
OTCPK:PBCR.Y Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in OTCPK:PBCR.Y represents 0.00178x of IDX:BBCA
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.00178x
Value per Share
(Listing Adjusted, USD)
= Value per Share (IDR) x Listing Adjustment Factor
= IDR 24,636.98 x 0.00178
$43.87
Value per share (USD) From above. $43.87
Current discount Discount to share price of $48.97
= -1 x ($48.97 - $43.87) / $43.87
-11.6%

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

  • The current share price of Bank Central Asia is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
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 Central Asia's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bank Central Asia's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:PBCR.Y PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in IDR IDR1,048.68
IDX:BBCA Share Price ** IDX (2019-03-15) in IDR IDR27500
United States of America Banks Industry PE Ratio Median Figure of 587 Publicly-Listed Banks Companies 13.36x
United States of America Market PE Ratio Median Figure of 3,054 Publicly-Listed Companies 17.61x

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

** Primary Listing of Bank Central Asia.

OTCPK:PBCR.Y PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

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

= 27500 ÷ 1,048.68

26.22x

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

  • 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
Does Bank Central Asia's expected growth come at a high price?
Raw Data
OTCPK:PBCR.Y PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 26.22x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 19 Analysts
11.8%per year
United States of America Banks Industry PEG Ratio Median Figure of 260 Publicly-Listed Banks Companies 1.23x
United States of America Market PEG Ratio Median Figure of 2,109 Publicly-Listed Companies 1.47x

*Line of best fit is calculated by linear regression .

OTCPK:PBCR.Y PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 26.22x ÷ 11.8%

2.22x

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

  • Bank Central Asia is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Bank Central Asia's assets?
Raw Data
OTCPK:PBCR.Y PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in IDR IDR6,151.27
IDX:BBCA Share Price * IDX (2019-03-15) in IDR IDR27500
United States of America Banks Industry PB Ratio Median Figure of 592 Publicly-Listed Banks Companies 1.25x
United States of America Market PB Ratio Median Figure of 5,152 Publicly-Listed Companies 1.87x
OTCPK:PBCR.Y PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 27500 ÷ 6,151.27

4.47x

* Primary Listing of Bank Central Asia.

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

  • Bank Central Asia is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Bank Central Asia'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 Central Asia has a total score of 0/6, 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.

PBCR.Y Future Performance

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

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
11.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bank Central Asia expected to grow at an attractive rate?
  • Bank Central Asia's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Bank Central Asia's earnings growth is positive but not above the United States of America market average.
  • Bank Central Asia's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
OTCPK:PBCR.Y Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:PBCR.Y Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 19 Analysts 11.8%
OTCPK:PBCR.Y Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 19 Analysts 12.2%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 4.3%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*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
OTCPK:PBCR.Y Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 19 Analyst Estimates (S&P Global) See Below
All numbers in IDR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:PBCR.Y Future Estimates Data
Date (Data in IDR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 87,479,137 36,976,323 8
2020-12-31 79,421,624 33,123,413 16
2019-12-31 70,754,022 29,208,193 16
OTCPK:PBCR.Y Past Financials Data
Date (Data in IDR Millions) Revenue Cash Flow Net Income *
2018-12-31 60,354,056 -41,903,576 25,855,154
2018-09-30 58,640,501 -14,255,308 24,976,329
2018-06-30 56,536,943 -55,883,737 24,196,211
2018-03-31 55,580,473 -43,999,273 23,828,731
2017-12-31 54,344,632 -42,294,605 23,309,994
2017-09-30 52,574,877 -74,192,118 22,320,518
2017-06-30 51,579,049 -27,923,500 21,564,587
2017-03-31 50,630,944 -17,935,711 21,087,718
2016-12-31 49,215,183 -13,752,341 20,605,736
2016-09-30 47,999,287 908,486 19,777,371
2016-06-30 46,439,047 569,822 19,053,497
2016-03-31 45,339,160 -10,343,639 18,468,705

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bank Central Asia's earnings are expected to grow by 11.8% yearly, however this is not considered high growth (20% yearly).
  • Bank Central Asia's revenue is expected to grow by 12.2% yearly, however this is not considered high growth (20% yearly).
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
OTCPK:PBCR.Y 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 19 Analyst Estimates (S&P Global) See Below

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

OTCPK:PBCR.Y Future Estimates Data
Date (Data in IDR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 1,538.27 1,808.16 1,315.61 8.00
2020-12-31 1,365.98 1,559.50 1,204.60 18.00
2019-12-31 1,197.33 1,310.05 1,146.11 21.00
OTCPK:PBCR.Y Past Financials Data
Date (Data in IDR Millions) EPS *
2018-12-31 1,048.68
2018-09-30 1,013.03
2018-06-30 981.39
2018-03-31 966.49
2017-12-31 945.45
2017-09-30 905.31
2017-06-30 874.65
2017-03-31 855.31
2016-12-31 835.76
2016-09-30 802.16
2016-06-30 772.80
2016-03-31 749.09

*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.
  • Bank Central Asia is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Bank Central Asia'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 United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America 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 Central Asia has a total score of 2/6, 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.

PBCR.Y Past Performance

  How has Bank Central Asia 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 Central Asia'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 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 is less than its 5-year average (10.9% vs 11.4%)
  • Bank Central Asia's earnings growth has not exceeded the US Banks industry average in the past year (10.9% vs 43.2%).
Earnings and Revenue History
Bank Central Asia'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 Central Asia Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:PBCR.Y 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 60,354,056.00 25,855,154.00 23,762,981.00
2018-09-30 58,640,501.00 24,976,329.00 23,445,119.00
2018-06-30 56,536,943.00 24,196,211.00 23,098,748.00
2018-03-31 55,580,473.00 23,828,731.00 22,701,544.00
2017-12-31 54,344,632.00 23,309,994.00 22,101,429.00
2017-09-30 52,574,877.00 22,320,518.00 21,830,438.00
2017-06-30 51,579,049.00 21,564,587.00 21,525,409.00
2017-03-31 50,630,944.00 21,087,718.00 21,163,012.00
2016-12-31 49,215,183.00 20,605,736.00 20,480,118.00
2016-09-30 47,999,287.00 19,777,371.00 20,064,494.00
2016-06-30 46,439,047.00 19,053,497.00 19,910,905.00
2016-03-31 45,339,160.00 18,468,705.00 19,511,231.00
2015-12-31 44,369,465.00 18,018,653.00 19,156,035.00
2015-09-30 43,313,898.00 17,658,916.00 18,941,745.00
2015-06-30 42,149,581.00 17,175,283.00 18,395,773.00
2015-03-31 40,658,224.00 16,878,215.00 17,571,483.00
2014-12-31 39,130,986.00 16,485,858.00 16,581,610.00
2014-09-30 37,123,298.00 16,088,925.00 14,414,587.00
2014-06-30 35,899,227.00 15,784,378.00 13,821,187.00
2014-03-31 34,429,567.00 15,026,848.00 14,253,958.00
2013-12-31 32,370,552.00 14,253,831.00 13,450,386.00
2013-09-30 31,587,232.00 13,806,118.00 14,169,969.00
2013-06-30 29,891,691.00 12,744,188.00 13,773,555.00
2013-03-31 28,534,940.00 12,309,907.00 12,207,901.00
2012-12-31 27,545,764.00 11,721,717.00 11,825,922.00
2012-09-30 25,915,642.00 11,439,656.00 11,436,793.00
2012-06-30 25,365,094.00 11,325,296.00 11,068,997.00
2012-03-31 24,734,966.00 11,106,534.00 10,669,713.00

*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 Central Asia has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bank Central Asia used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • 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.
X
Past performance checks
We assess Bank Central Asia'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 Central Asia has a total score of 2/6, 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.

PBCR.Y Health

 How is Bank Central Asia'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 Central Asia'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 Central Asia Company Filings, last reported 2 months ago.

OTCPK:PBCR.Y Past Debt and Equity Data
Date (Data in IDR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 151,753,427.00 3,090,255.00 76,926,700.00
2018-09-30 143,705,181.00 4,468,565.00 77,214,874.00
2018-06-30 136,845,006.00 3,727,985.00 118,273,697.00
2018-03-31 136,452,861.00 2,589,475.00 110,306,497.00
2017-12-31 131,401,694.00 3,801,169.00 82,884,739.00
2017-09-30 127,548,445.00 7,148,456.00 97,453,662.00
2017-06-30 120,895,550.00 3,246,894.00 86,204,740.00
2017-03-31 118,411,980.00 4,972,517.00 69,149,291.00
2016-12-31 112,715,059.00 5,377,601.00 71,448,259.00
2016-09-30 109,400,549.00 29,951,941.00 67,710,306.00
2016-06-30 103,532,696.00 5,153,989.00 61,560,416.00
2016-03-31 101,019,206.00 4,785,246.00 66,663,456.00
2015-12-31 89,624,940.00 4,687,138.00 84,846,374.00
2015-09-30 86,256,157.00 6,742,255.00 92,183,917.00
2015-06-30 81,753,218.00 5,151,949.00 94,024,243.00
2015-03-31 80,018,412.00 5,353,521.00 68,328,047.00
2014-12-31 75,725,690.00 5,599,544.00 64,172,659.00
2014-09-30 74,721,823.00 6,830,548.00 86,577,358.00
2014-06-30 70,353,048.00 6,059,448.00 82,158,879.00
2014-03-31 67,984,296.00 5,164,658.00 72,490,547.00
2013-12-31 63,966,678.00 3,747,315.00 74,280,210.00
2013-09-30 61,231,393.00 3,105,584.00 77,758,409.00
2013-06-30 57,629,979.00 3,373,995.00 73,270,298.00
2013-03-31 56,599,302.00 2,879,335.00 77,370,859.00
2012-12-31 51,897,942.00 2,698,369.00 80,229,952.00
2012-09-30 49,220,587.00 3,046,764.00 75,185,689.00
2012-06-30 45,514,829.00 4,089,577.00 66,210,646.00
2012-03-31 44,316,657.00 2,524,524.00 83,819,522.00
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 Central Asia has an acceptable proportion of non-loan assets held.
  • Bank Central Asia's liabilities are made up of primarily low risk sources of funding.
  • Loans at Bank Central Asia are broadly funded by customer deposits.
  • Bank Central Asia's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Bank Central Asia has a sufficient allowance for bad loans.
  • Bank Central Asia has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Bank Central Asia'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 Central Asia has a total score of 6/6, 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.

PBCR.Y Dividends

 What is Bank Central Asia'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
0.93%
Current annual income from Bank Central Asia dividends. Estimated to be 1.48% next year.
If you bought $2,000 of Bank Central Asia shares you are expected to receive $19 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?
  • Bank Central Asia's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).
  • Bank Central Asia's dividend is below the markets top 25% of dividend payers in United States of America (3.64%).
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
OTCPK:PBCR.Y 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 19 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 470 Stocks 2.8%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2005 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

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

OTCPK:PBCR.Y Future Dividends Estimate Data
Date (Data in IDR) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 616.88 9.00
2020-12-31 394.25 16.00
2019-12-31 323.65 20.00
OTCPK:PBCR.Y Past Annualized Dividends Data
Date (Data in IDR) Dividend per share (annual) Avg. Yield (%)
2018-10-26 255.000 0.975
2018-03-13 255.000 1.104
2017-03-15 200.000 1.018
2016-10-27 160.000 1.055
2016-03-04 160.000 1.141
2015-07-30 148.000 1.143
2015-04-30 148.000 1.087
2015-03-06 148.000 1.017
2014-07-24 120.000 0.934
2014-04-10 120.000 1.076
2013-07-31 114.500 1.138
2013-03-28 114.500 1.109
2012-10-30 113.500 1.192
2012-07-31 113.500 1.428
2012-04-02 113.500 1.495
2011-05-16 112.500 1.444
2010-10-28 110.000 1.669
2010-07-30 110.000 1.734
2010-03-05 110.000 1.974
2009-05-19 100.000 2.307
2009-03-19 91.000 2.777

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

  • 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
What portion of Bank Central Asia's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.5x coverage).
X
Income/ dividend checks
We assess Bank Central Asia'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 Central Asia afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bank Central Asia has a total score of 4/6, see the detailed checks below.


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

PBCR.Y Management

 What is the CEO of Bank Central Asia'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
Jahja Setiaatmadja
AGE 62
TENURE AS CEO 7.8 years
CEO Bio

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 responsibility being Branch Banking Business, Treasury Division, International Banking Division and Overseas Representative Offices. A Director of BCA from 1999 to 2005, he previously held a variety of managerial positions within the Bank from 1990. Prior to joining BCA, he was Finance Director of Indomobil, a leading Indonesian automotive company (1989–1990), and held various managerial positions including Finance Director at Indonesia’s largest pharmaceutical company, Kalbe Farma (1980–1989). He started his career as an accountant at PriceWaterhouse (1979). Educational Background and Training: He graduated with a Bachelor’s degree in Accounting from Universitas Indonesia (1982). Participated in a number of training programs, seminars and conferences in 2016, including: • Risk Management Refreshment Program – Risk Forum School of Finance, Jakarta. • Public Dialogue with the President of Indonesia “Building A Competitive Indonesian Economy” – ISEI, Jakarta. • ASEAN Central Bank Governors & Financial Institutions CEO Dialoque – Bank of LAO – PDR, Laos. • “Outstanding Challenge of Indonesia Macroeconomic Management” Exclusive Roundtable Insight – ILUNI FEB UI, Jakarta. • ACI World Congress 2016 – Associate Cambiste Internasionale (ACI), Jakarta. • Indonesia CEO Talk “The Role of Financial Service Industry in Driving the National Economy during the ASEAN Economic Community Era” – Obsession Media Group, Jakarta. • Innovation of Agriculture Sector Financing in Supporting the Implementation of Financial Inclusion for Farmers – KADIN, ISEI, PISAGRO, Jakarta. • International Monetary Conference – IMC, Singapore. • CalGems Investor Conference – Bank of America - Merrill Lynch, California (USA). • ISEI’s 18th National Seminar & Plenum “Realizing the Potential of the Tourism Sector in Developing a Sustainable and Inclusive Economy” – ISEI, Gorontalo. • Indonesia Knowledge Forum V – BCA, Jakarta.

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

Average tenure and age of the Bank Central Asia management team in years:

5.2
Average Tenure
55
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.
Management Team

Jahja Setiaatmadja

TITLE
President Director
AGE
62
TENURE
7.8 yrs

Raymon Yonarto

TITLE
Executive VP and Head of Finance & Corporate Planning Division

Gunewan Ruslie

TITLE
Head of Finance & Accounting

Wira Chandra

TITLE
Executive Vice President of Group Corporate Banking & Corporate Finance
AGE
53

Lay Santoso

TITLE
Head of Corporate Finance Group

Subur Tan

TITLE
Compliance & Risk Management Director and Director
AGE
57
TENURE
2.6 yrs

Mira Wibowo

TITLE
Head of Transaction Banking Business Development & Marketing Division

Lianawaty Suwono

TITLE
Director of Human Capital Management & Director
AGE
51
TENURE
13.2 yrs

Hendra Tanumihardja

TITLE
Head of Human Capital Management Division
AGE
45
TENURE
2.6 yrs

Suwignyo Budiman

TITLE
Director of Individual Banking & Director
AGE
67
Board of Directors Tenure

Average tenure and age of the Bank Central Asia board of directors in years:

7.6
Average Tenure
58
Average Age
  • The tenure for the Bank Central Asia board of directors is about average.
Board of Directors

Jahja Setiaatmadja

TITLE
President Director
AGE
62
TENURE
7.8 yrs

Eugene Galbraith

TITLE
Deputy President Director
AGE
65
TENURE
7.6 yrs

Armand Hartono

TITLE
Deputy President Director
AGE
42
TENURE
2.8 yrs

Subur Tan

TITLE
Compliance & Risk Management Director and Director
AGE
57
TENURE
16.6 yrs

Lianawaty Suwono

TITLE
Director of Human Capital Management & Director
AGE
51
TENURE
2.7 yrs

Suwignyo Budiman

TITLE
Director of Individual Banking & Director
AGE
67
TENURE
16.6 yrs

Inawaty Suwardi

TITLE
Credit Director & Director
AGE
66
TENURE
2.6 yrs

Rudy Susanto

TITLE
Corporate Banking Director & Director
AGE
55
TENURE
4.7 yrs

Erwan Ang

TITLE
Director of Regional & Branch Networks and Independent Director
AGE
58
TENURE
7.6 yrs

Henry Koenaifi

TITLE
Director of SME & Commercial Banking and Director
AGE
58
TENURE
12.2 yrs
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 Central Asia'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 Central Asia 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.

PBCR.Y News

Simply Wall St News

PBCR.Y Company Info

Description

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, transaction banking services, electronic banking services, cash management services, credit cards, bancassurance products, mutual fund investment products, fixed income investment products, credit facilities, standby LC/bank guarantees, export import facilities, local LC, and foreign exchange facilities. The company also provides investment financing, working capital financing, multipurpose financing, operating lease, other financing activities, money lending and remittance, securities brokerage dealer and securities issuance underwriting, general or loss insurance, life insurance, and venture capital services. It operates 1,235 branch offices comprising 136 main branches, 856 sub-branches, and 243 cash offices; 17,658 automated teller machines; and approximately 470,000 electronic data capture machines. PT Bank Central Asia Tbk was founded in 1955 and is headquartered in Jakarta, Indonesia. PT Bank Central Asia Tbk is a subsidiary of PT Dwimuria Investama Andalan.

Details
Name: PT Bank Central Asia Tbk
PBCR.Y
Exchange: OTCPK
Founded: 1955
IDR47,603,227,901
24,655,010,000
Website: http://www.bca.co.id
Address: PT Bank Central Asia Tbk
Menara BCA,
Grand Indonesia,
Jakarta,
10310,
Indonesia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
IDX BBCA Common Shares Indonesia Stock Exchange ID IDR 31. May 2000
OTCPK PBCR.F Common Shares Pink Sheets LLC US USD 31. May 2000
DB BZG2 Common Shares Deutsche Boerse AG DE EUR 31. May 2000
OTCPK PBCR.Y UNSPONSORD ADR Pink Sheets LLC US USD 19. Jan 2012
Number of employees
Current staff
Staff numbers
27,561
Bank Central Asia employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/18 00:17
End of day share price update: 2019/03/15 00:00
Last estimates confirmation: 2019/03/15
Last earnings filing: 2019/03/01
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.