PNBN - Bank Pan Indonesia

http://spreadsheets.google.com/pub?key=pjRxpwjWzxzivCk3An8gmfQ

Background
The company was established in 1971 through the merger of three private banks: PT Bank Industri dan Dagang Indonesia, PT Bank Kemakmuran and PT Industri Djaja Indonesia. In 1972 the bank was granted a license to operate in foreign exchange transaction. Later on, it took over four other banks: PT Bank Abadi, PT Bank Lingga Harta, PT Bank Pembangunan Ekonomi, and PT Bank Pembangunan Sulawesi. The 1 for 4 right issue concluded in August 1995 increased the total paid-up capital from Rp 240 billion to Rp 300 billion, and the total net worth of the bank was increased to Rp 523 billion. The company has a network of 100 domestic offices, consisting of 20 main branches and 80 sub- branches in all the important cities in Indonesia, and 2 (two) offshore branches in Cayman and Cook Islands. The bank also has several international banks as joint-venture partners in financial services companies in Indonesia, such as those formed with the Dai-Ichi Kangyo Bank, International Finance Corporation, DEG Bank, Credit Lyonnais, Nippon Credit Bank, Schroders PLC., ANZ Bank. On February 1996, the company got a Triple B minus rating from Merrill Lynch, and was noted for its financial record and management, and for its ability to fund trading sector. In February 1999 Panin Bank signed a Technical Service Agreement (TSA) with ANZ Banking Group Limited from Australia. Under the terms of the Technical Service Agreement ANZ Bank, a substantial shareholder in Panin Bank, provide assistance acrosss a wide range of nominated areas, as needed.

ShareholdersShareholder Name Procentage
Panin Life Tbk, PT 44.85%
Votraint No. 1103 Pty Ltd 30.02%
Public 25.13%

Resiko 2003 2,004.00 2,005.00 2,006.00 2,007.00
DER 4.26 4.29 7.42 5.13 6.13

Manajemen 2003 2,004.00 2,005.00 2,006.00 2,007.00
ROE (%) 11.59 19.40 11.54 9.86 11.36
ROEX (%) 23.78 11.19 14.87 12.88
ROA (%) 2.90 5.24 2.03 2.57 2.45
ROAX (%) 6.47 3.13 2.82 3.23
Profit Margin (%) 21.00 40.88 17.18 16.71 19.60
Op Profit Mrg (%) 27.57 58.45 25.48 26.72 30.10

Growth 2003 2,004.00 2,005.00 2,006.00 2,007.00
Sales 5% 37% 32% 11%
Op. Income 123% -40% 39% 26%
Net Income 105% -42% 29% 31%
CF 172% 322% -203% 20%

Analisa harga

PER 22.84
PBV 2.43
Div. Yield (%) 0.00

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