Embah bawa duren Monthong dari Bangkok buat member OB
HARGAnya murah tapi TUMBUH gede...
Silahkan dipilih ... ada duren yg bukan cuman MATENG PUUN tapi udah jadi DUREN JATOAN... hehehe...
Date: 31-03-11 FINANCIAL RATIO COMPARISON 2010
Sector: BANKING
Ranked by: ROE
www.investdata.net
|-- ---- ------- --- --- --- ---- ---- --- ---------- ===--------- ===------ --------- ----------- ----------- ----- ------ --------
| | | |(1) (2) (3)| (4) (5)|(6)| (7) | (10) | (8) | (9) |(11)(12)(13|(14)(15)(16| (17)| (18) | MARKET|
| | | SALES |GRS OPR NET| |ROA| ROE | PER | COP | CLOP |YoY GROWTH |Q4/Q3 GROWT| | LAST | CAP. |
|NO|STOC|bio Rp |MAR PRF PRF| PBV DER| | |*LAST*| | | | OPR NET| OPR NET| PEG |PRICE |bio Rp |
| | |mio USD| % % % | | | Q3 Q4|QUARTR|TDY Q4 Q3|TDY Q4 Q3|TDY Q4 Q3|SAL PRF PRF|SAL PRF PRF| | |mio Usd|
|-- ---- ------- === === === ==== ==== === === ---****** --- -- -- === -- -- === -- -- --- --- === --- --- === =====|======|=======|
| 1 BBRI 44.615| 73 32 25| 3,8|10,0| 2| 27 31|52 7|12| 11 13| 9| 8 10|35| 34 36| 26 68| 56| 48 96|105| 0,22| 5.750|141.767|
| 2 BBCA 20.660| 62 50 41| 4,9| 8,5| 2| 25 24|27 17|19| 18 20|16| 14 16|44| 42 44| -9 22| 24| 7 10| 11| 0,81| 6.950|169.338|
| 3 BMRI 33.931| 57 40 27| 3,4| 9,8| 2| 21 22|27 12|15| 14 17|10| 9 13|40| 39 45| 4 31| 28|-11 67| 20| 0,54| 6.800|142.776|
| 4 BDMN 14.417| 68 32 20| 2,9| 5,4| 2| 16 15|14 20|19| 16 16|11| 10 10|33| 31 29| -8 62| 88| 3 -8|-11| 0,22| 6.550| 55.137|
| 5 BBNI 18.837| 62 29 21| 2,2| 6,5| 1| 18 12|13 16|18| 17 14|13| 13 9|52| 52 45| -3 62| 65| -3 -26| 12| 0,28| 3.975| 74.129|
|-- ---- ------- === === === ==== ==== === === --- ====== -- -- -- === -- -- === -- -- --- --- === --- --- === =====|======|=======|
1. GRS MRG: Gross Margin to Sales (in %)
2. OPR PRF: Operating Profit to Sales (in %)
3. NET PRF: Net Profit to Sales (in %)
4. PBV: Stock Price to Book value
5. DER: Debt Equity Ratio
6. ROA: Return On Asset (in %)
7. ROE: Return On Equity (in %)
QTR: ROE Quartely, using Most Recent Quarter's Net Profit
8. COP: Capitalisation to Operating Profit (in years)
9. CLOP: Capitalisation + Liability to Operating profit (in years)
10. PER: Price Earning Ratio
QTR: PER using Most Recent Quarter's Net Profit
11. Sales Growth in % (Year on Year comparison)
12. Operating Profit Growth in % (YOY comparison)
13. Net Profit Growth in % - (YOY comparison)
14. Sales Growth in % - (Most Recent Quarter comparison)
15. Operating Profit Growth in % - (MRQ comparison)
16. Net Profit Growth in % - (MRQ comparison)
17. PEG = PER / Net Profit Growth- http://www.investdata.net/QZA4BAN6.TXT
BBRI Date : 31-03-11
Financial Performance (in billion Rp)
www.investdata.net
2010| 2009|
31-03-11 ....Q4 ....Q3 ....Q2 ....Q1|....Q4 ....Q3 ....Q2 ....Q1|
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales 44.615 29.566 19.402 9.519 35.334 25.937 16.948 8.318
COGS 11.726 8.535 5.683 2.816 12.284 9.120 5.947 2.915
Gross Marg 32.888 21.030 13.719 6.702 23.049 16.816 11.000 5.402
GM (%) 73 71 70 70 65 64 64 64
Opr Profit 14.402 8.546 5.571 3.045| 8.560 6.019 3.993 2.363
OP (%) 32 28 28 32 24 23 23 28
Net Profit 11.472 6.656 4.318 2.150| 7.308 5.301 3.516 1.718
NP (%) 25 22 22 22 20 20 20 20
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Stk Price 5.750 5.250 10.000 9.300 8.250| 7.650 7.500 6.300 4.200
Book Value 1.487 2.654 2.476 2.453| 2.210 2.094 2.121 1.960
PBV 3,87 3,53 3,77 3,76 3,36| 3,46 3,58 2,97 2,14
DER 10,02 8,96 9,61 9,15| 10,63 9,69 9,25 9,38
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
ROE (%) 31 27 28 28| 26 27 26 28
ROE (Qtr) 52 28 28 28 29 27 27 28
ROA (%) 2 2 2 2| 2 2 2 2
Opr prof/share 584 693 452 247| 694 488 323 191
EPS 465 539 350 174| 592 430 285 139
EPS (Qtr) 195 189 175 174| 162 144 145 139
EPS (Annu) 465 719 700 697| 592 573 570 557
PER 12,36 11,28 13,89 13,27 11,82| 12,91 13,08 11,04 7,53
PER (Qtr) 7,35 6,72 13,18 13,22 11,82| 11,75 12,95 10,80 7,53
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
COP (year) 9,84 8,99 10,82 10,29 8,35 11,02 11,52 9,72 5,48
CLOP(year) 35,37 34,51 36,55 36,61 31,06 44,86 42,69 40,00 29,45
CLOP(Qtr) 21,22 35,00 40,37 31,06 37,77 42,29 48,99 29,45
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales Growth(%) 26 13 14 14
Op.Prof Growth(%) 68 41 39 28
Net.Prof/EPS Grow 56 25 22 25
PEG (<1) 0,20 0,54 0,58 0,47
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales(Qtr) 15.048 10.163 9.883 9.519 9.396 8.988 8.630 8.318
COGS (Qtr) 3.190 2.852 2.867 2.816 3.163 3.173 3.032 2.915
Gross Marg(Qtr) 11.858 7.311 7.016 6.702 6.233 5.815 5.598 5.402
GM (%) 78 71 70 70 66 64 64 64
OP.PR (Qtr) 5.855 2.974 2.525 3.045 2.541 2.025 1.630 2.363
OP % 38 29 25 32 27 22 18 28
NET.PR (Qtr) 4.815 2.338 2.167 2.150 2.006 1.785 1.797 1.718
NP % 32 23 21 22 21 19 20 20
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Asset 404.285325.943323.806306.977|**.***275.992267.995250.763
Liability 367.612293.216293.283276.730|**.***250.167241.847226.593
Equity 36.673 32.726 30.523 30.246|27.257 25.825 26.148 24.169
Capitalis.141.767129.439123.276114.626101.721|94.323 92.457 77.663 51.766
Share(mil) 24.655 12.327 12.325 12.329 12.329 12.327 12.327 12.325
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
See ERROR and OMISSION - BBRI: http://www.investdata.net/QQDBBRI.TXT
BMRI Date : 31-03-11
Financial Performance (in billion Rp)
www.investdata.net
2010| 2009|
31-03-11 ....Q4 ....Q3 ....Q2 ....Q1|....Q4 ....Q3 ....Q2 ....Q1|
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales 33.931 25.633 16.217 8.029 32.598 24.359 16.603 8.567
COGS 14.413 10.898 6.848 3.395 15.821 12.034 7.943 4.173
Gross Marg 19.518 14.734 9.369 4.634 16.777 12.324 8.660 4.393
GM (%) 57 57 57 57 51 50 52 51
Opr Profit 13.742 8.523 5.404 2.700|10.434 6.796 4.385 2.015
OP (%) 40 33 33 33 32 27 26 23
Net Profit 9.218 6.385 4.034 2.003| 7.155 4.619 2.926 1.400
NP (%) 27 24 24 24 21 18 17 16
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Stk Price 6.800 6.500 7.200 6.000 5.350| 4.700 4.700 3.175 2.050
Book Value 1.978 1.859 1.740 1.759| 1.703 1.579 1.500 1.527
PBV 3,44 3,29 3,87 3,45 3,04| 2,76 2,98 2,12 1,34
DER 9,83 9,49 10,01 9,86| 10,08 10,07 10,42 9,88
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
ROE (%) 22 21 22 21| 20 18 18 17
ROE (Qtr) 27 24 22 21 28 20 19 17
ROA (%) 2 2 2 2| 1 1 1 1
Opr prof/share 654 406 257 129| 499 324 209 96
EPS 439 304 192 95| 342 220 139 66
EPS (Qtr) 134 112 96 95| 121 80 72 66
EPS (Annu) 439 405 384 383| 342 293 279 267
PER 15,49 14,81 17,74 15,60 13,96| 13,73 15,99 11,37 7,65
PER (Qtr) 12,60 12,04 16,06 15,50 13,96| 9,69 14,55 10,90 7,65
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
COP (year) 10,39 9,93 13,29 11,65 10,35 9,42 10,87 7,59 5,31
CLOP(year) 40,10 39,64 45,88 45,47 43,91 43,82 47,66 44,93 44,46
CLOP(Qtr) 26,09 41,79 45,45 43,91 31,42 44,78 41,57 44,46
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales Growth(%) 4 5 -2 -6
Op.Prof Growth(%) 31 25 23 33
Net.Prof/EPS Grow 28 38 37 43
PEG (<1) 0,51 0,46 0,41 0,32
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales(Qtr) 8.298 9.415 8.187 8.029 8.239 7.755 8.036 8.567
COGS (Qtr) 3.514 4.050 3.453 3.395 3.787 4.091 3.769 4.173
Gross Marg(Qtr) 4.783 5.365 4.734 4.634 4.452 3.664 4.266 4.393
GM (%) 57 56 57 57 54 47 53 51
OP.PR (Qtr) 5.218 3.119 2.703 2.700 3.637 2.411 2.369 2.015
OP % 62 33 33 33 44 31 29 23
NET.PR (Qtr) 2.832 2.351 2.030 2.003 2.535 1.693 1.526 1.400
NP % 34 24 24 24 30 21 18 16
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Asset 449.774409.365402.083399.338|**.***366.494358.897347.626
Liability 408.231370.342365.575362.556|**.***333.391327.457315.683
Equity 41.542 39.023 36.508 36.782|35.616 33.102 31.439 31.942
Capitalis.142.776136.477151.067125.889111.845|98.256 98.506 66.544 42.856
Share(mil) 20.996 20.981 20.981 20.905 20.905 20.958 20.958 20.905
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
See ERROR and OMISSION- BMRI: http://www.investdata.net/QQDBMRI.TXT
BBCA Date : 31-03-11
Financial Performance (in billion Rp)
www.investdata.net
2010| 2009|
31-03-11 ....Q4 ....Q3 ....Q2 ....Q1|....Q4 ....Q3 ....Q2 ....Q1|
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales 20.660 14.881 9.499 4.928 22.931 16.656 11.203 5.843
COGS 7.723 5.405 3.641 1.974 8.031 5.688 3.724 1.928
Gross Marg 12.936 9.476 5.857 2.954 14.899 10.967 7.479 3.915
GM (%) 62 63 61 59 64 65 66 67
Opr Profit 10.400 7.497 4.868 2.439| 8.518 5.895 3.885 2.055
OP (%) 50 50 51 49 37 35 34 35
Net Profit 8.479 6.108 3.980 1.931| 6.807 5.089 3.302 1.631
NP (%) 41 41 41 39 29 30 29 27
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Stk Price 6.950 6.400 6.700 5.950 5.500| 4.850 4.625 3.525 3.100
Book Value 1.399 1.331 1.239 1.224| 1.143 1.110 1.030 1.026
PBV 4,96 4,57 5,03 4,80 4,49| 4,24 4,17 3,42 3,02
DER 8,51 8,56 8,89 8,53| 9,14 9,10 9,20 8,90
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
ROE (%) 24 25 26 25| 24 25 26 26
ROE (Qtr) 27 26 27 25 24 26 26 26
ROA (%) 2 2 2 2| 2 2 2 2
Opr prof/share 426 307 199 100| 349 241 159 84
EPS 348 250 163 79| 279 208 135 66
EPS (Qtr) 97 87 84 79| 70 73 68 66
EPS (Annu) 348 334 326 317| 279 278 271 267
PER 19,97 18,39 20,04 18,21 17,35| 17,36 16,61 13,00 11,57
PER (Qtr) 17,86 16,45 19,18 17,68 17,35| 17,20 15,77 12,85 11,57
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
COP (year) 16,28 14,99 16,33 14,89 13,73 13,87 14,34 11,05 9,19
CLOP(year) 44,20 42,91 44,12 42,45 39,81 43,75 45,66 40,78 36,28
CLOP(Qtr) 38,43 41,93 42,55 39,81 35,52 44,65 43,29 36,28
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales Growth(%) -9 -10 -15 -15
Op.Prof Growth(%) 22 27 25 18
Net.Prof/EPS Grow 24 20 20 18
PEG (<1) 0,75 1,00 0,89 0,95
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales(Qtr) 5.778 5.382 4.570 4.928 6.275 5.452 5.359 5.843
COGS (Qtr) 2.318 1.764 1.666 1.974 2.342 1.964 1.796 1.928
Gross Marg(Qtr) 3.460 3.618 2.903 2.954 3.932 3.488 3.563 3.915
GM (%) 59 67 63 59 62 63 66 67
OP.PR (Qtr) 2.902 2.629 2.428 2.439 2.623 2.009 1.830 2.055
OP % 50 48 53 49 41 36 34 35
NET.PR (Qtr) 2.370 2.128 2.049 1.931 1.717 1.786 1.671 1.631
NP % 41 39 44 39 27 32 31 27
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Asset 324.419310.196298.576284.231|**.***273.289256.124247.796
Liability 290.311277.764268.376254.405|**.***246.242231.018222.775
Equity 34.107 32.431 30.199 29.826|27.856 27.047 25.105 25.020
Capitalis.169.338155.937163.247144.973134.008|**.***112.689 85.887 75.532
Share(mil) 24.365 24.365 24.365 24.365 24.365 24.365 24.365 24.365
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
See ERROR and OMISSION- BBCA: http://www.investdata.net/QQDBBCA.TXT
BDMN Date : 31-03-11
Financial Performance (in billion Rp)
www.investdata.net
2010| 2009|
31-03-11 ....Q4 ....Q3 ....Q2 ....Q1|....Q4 ....Q3 ....Q2 ....Q1|
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales 14.417 10.606 6.934 3.957 15.682 13.313 8.068 4.557
COGS 4.509 3.218 2.091 1.127 6.220 5.874 3.649 2.329
Gross Marg 9.908 7.388 4.843 2.829 9.461 7.439 4.419 2.227
GM (%) 68 69 69 71 60 55 54 48
Opr Profit 4.630 3.503 2.278 1.110| 2.849 2.342 1.637 767
OP (%) 32 33 32 28 18 17 20 16
Net Profit 2.883 2.203 1.433 700| 1.532 1.365 870 393
NP (%) 20 20 20 17 9 10 10 8
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Stk Price 6.550 5.700 5.800 5.400 5.200| 4.550 4.550 4.825 3.125
Book Value 2.191 2.110 2.025 2.011| 1.884 1.863 1.748 2.187
PBV 2,99 2,60 2,75 2,67 2,59| 2,41 2,44 2,76 1,43
DER 5,41 4,94 4,94 4,78| 5,24 5,41 5,63 8,54
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
ROE (%) 15 16 16 16| 9 11 11 14
ROE (Qtr) 14 17 17 16 4 12 12 14
ROA (%) 2 2 2 2| 1 1 1 1
Opr prof/share 550 417 272 132| 339 279 191 152
EPS 342 262 171 83| 182 162 101 78
EPS (Qtr) 80 91 87 83| 19 59 55 78
EPS (Annu) 342 349 343 334| 182 217 203 312
PER 19,12 16,64 16,57 15,73 15,54| 24,91 20,95 23,65 9,98
PER (Qtr) 20,26 17,64 15,81 15,38 15,54| 56,99 19,26 21,57 9,98
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
COP (year) 11,91 10,36 10,42 9,90 9,80 13,40 12,21 12,57 5,11
CLOP(year) 33,45 31,91 29,16 28,23 27,92 42,45 39,27 38,22 35,68
CLOP(Qtr) 32,78 27,79 27,54 27,92 59,65 43,48 35,98 35,68
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales Growth(%) -8 -20 -14 -13
Op.Prof Growth(%) 62 49 39 44
Net.Prof/EPS Grow 88 61 64 78
PEG (<1) 0,19 0,27 0,24 0,20
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales(Qtr) 3.811 3.671 2.977 3.957 2.369 5.244 3.511 4.557
COGS (Qtr) 1.291 1.126 963 1.127 346 2.224 1.320 2.329
Gross Marg(Qtr) 2.519 2.545 2.013 2.829 2.022 3.020 2.191 2.227
GM (%) 66 69 67 71 85 57 62 48
OP.PR (Qtr) 1.126 1.224 1.167 1.110 507 705 869 767
OP % 29 33 39 28 21 13 24 16
NET.PR (Qtr) 680 769 732 700 167 494 477 393
NP % 17 20 24 17 7 9 13 8
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Asset 118.206105.221100.447 97.330|98.597100.127 98.888104.843
Liability 99.756 87.501 83.532 80.491|82.792 84.508 83.971 93.854
Equity 18.449 17.719 16.915 16.838|15.805 15.618 14.917 10.988
Capitalis. 55.137 47.982 48.686 45.101 43.537|38.169 38.133 41.167 15.700
Share(mil) 8.418 8.394 8.352 8.372 8.389 8.381 8.532 5.024
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
See ERROR and OMISSION- BDMN: http://www.investdata.net/QQDBDMN.TXT
BBNI Date : 31-03-11
Financial Performance (in billion Rp)
www.investdata.net
2010| 2009|
31-03-11 ....Q4 ....Q3 ....Q2 ....Q1|....Q4 ....Q3 ....Q2 ....Q1|
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales 18.837 14.399 9.805 0 19.446 14.581 10.008 0
COGS 7.116 5.395 3.675 0 8.314 6.400 4.413 0
Gross Marg 11.720 9.004 6.129 0 11.132 8.181 5.594 0
GM (%) 62 62 62***.*** 57 56 55***.***
Opr Profit 5.509 4.241 2.522 0| 3.386 2.264 1.549 0
OP (%) 29 29 25***.*** 17 15 15***.***
Net Profit 4.101 2.954 1.933 0| 2.484 1.854 1.200 0
NP (%) 21 20 19***.*** 12 12 11***.***
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Stk Price 3.975 3.875 3.675 2.500 0| 1.980 1.980 1.720 0
Book Value 1.775 1.395 1.300 0| 1.277 1.231 1.145 0
PBV 2,24 2,18 2,63 1,92 0,00| 1,55 1,61 1,50 0,00
DER 6,51 9,55 10,35 0,00| 10,88 10,01 10,64 0,00
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
ROE (%) 12 18 19 0| 12 13 13 0
ROE (Qtr) 13 19 38***.*** 13 14 27***.***
ROA (%) 1 1 1 0| 1 1 1 0
Opr prof/share 295 277 165 0| 225 151 101 0
EPS 219 193 126 0| 165 123 78 0
EPS (Qtr) 61 66 126 0| 41 43 78 0
EPS (Annu) 219 257 253 0| 165 165 157 0
PER 18,07 17,62 14,25 9,87 0,00| 11,94 12,00 10,94 0,00
PER (Qtr) 16,15 15,74 13,75 4,94****,**| 11,79 11,33 5,47****,**
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
COP (year) 13,46 13,12 9,93 7,57 0,00 8,76 9,83 8,48 0,00
CLOP(year) 52,57 52,23 45,91 48,32 0,00 70,29 70,97 68,53 0,00
CLOP(Qtr) 56,75 37,77 24,16 0,00 53,07 74,92 34,26 0,00
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales Growth(%) -3 -1 -2***.***
Op.Prof Growth(%) 62 87 62***.***
Net.Prof/EPS Grow 65 59 61***.***
PEG (<1) 0,27 0,24 0,16 0,00
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Sales(Qtr) 4.437 4.594 9.805 0 4.865 4.572 10.008 0
COGS (Qtr) 1.721 1.719 3.675 0 1.913 1.986 4.413 0
Gross Marg(Qtr) 2.715 2.875 6.129 0 2.951 2.586 5.594 0
GM (%) 61 62 62***.*** 60 56 55***.***
OP.PR (Qtr) 1.267 1.718 2.522 0 1.121 715 1.549 0
OP % 28 37 25***.*** 23 15 15***.***
NET.PR (Qtr) 1.147 1.020 1.933 0 629 654 1.200 0
NP % 25 22 19***.*** 12 14 11***.***
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
Asset 248.580224.810225.486 0|**.***203.102203.618 0
Liability 215.460203.492205.621 0|**.***184.654186.118 0
Equity 33.119 21.318 19.864 0|19.143 18.448 17.499 0
Capitalis. 74.129 72.264 56.128 38.185 0|29.669 29.669 26.271 0
Share(mil) 18.649 15.273 15.274 0 14.984 14.984 15.274 0
---------- ------ ====== ------ ------ ------ ====== ------ ------ ------
See ERROR and OMISSION- BBNI: http://www.investdata.net/QQDBBNI.TXT
BBRI Duren Super Invest....
Hari ini embah engga bawa bambu runcing, tapi bawa kesukaan embah yaitu DUREN ... hehehe...
BBRI naek dah +50%.... hehehe...
Note:
- Buat Prof Bagus, ini Income REAL atau Income dari PSAK 55 ?
PER BBRI = 12
PER BBRI (3 bulan terakhir) cuman = 7
Kalo ini performance income yg REAL dan SUSTAINABLE maka BBRI bisa naek = 5/7 = +70% ...
Jadi advis Kang Bagus lagi NEEDED BADLY NIH....
Sebenarnya embah masih menunggu:
- Jawaban tentang pengaruh PSAK 55 terhadap keuntungan Bank
- Apakah keuntungan YG LUAR BIASA pada BBRI adalah akibat penerapan PSAK 55 atau bukan ?.
- Tapi embah tidak melihat peningkatan keuntungan yg besar pada BBCA, BDMN dan BBNI.
- Jadi embah mengambil kesimpulan SEMENTARA bahwa ini adalah REAL INTEREST INCOME dan bukan pemindahan Cadangan provisi ke Income Statement.
Ada yg bisa bantu ?, pak Bagus help please ?.
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