Galliano's Financials Research* (a trading name of Galliano's Latin Notes Ltd)’s Post

Indonesian Banks - Negara's positive returns are gathering momentum (Published 6 September) Negara is our top pick, Mandiri remains a buy; both banks have big valuation differentials with quality play BCA and they have lower structural cost of risk relative to heavily MSME-exposed Rakyat. Capital at risk | For professional clients only

Have you heard of the Pareto principle? It's a powerful strategy that can help you take control of your finances and make them more secure. By applying this principle, you can focus on what truly matters most for your financial well-being. Curious to learn how it works? Dive into the details here! #ExperienceMore — PT Bank BTPN Tbk berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI) dan merupakan peserta penjaminan LPS.

Jakarta Composite Index (JCI) records all time high today and exceed new psychological level of 7.500 index point. Rupiah appreciation, strong fundamental listed companies of ours, increase investor confidence level, and net inflow of foreign fund reflect our stability and market resiliency. We firmly believe this will continue to grow as we develop our market with futures, liquidity provider scheme and fixed income outright (including its repo)

Negara Bank stands out from its Indonesian bank peers (2 May 2024) Negara is our value pick, with improving returns and the best NPL coverage of the peer group, and we maintain Mandiri as a buy for its best valuation to returns mix versus; we turn neutral on Rakyat

Supporting Islamic Banking, OJK Issues New Regulations on Business Activity Expansion The Financial Services Authority (OJK) of Indonesia has introduced Regulation Number 26 of 2024 to enhance banking activities, particularly within the sharia banking sector. This regulation aligns with Law Number 4 of 2023 and aims to adapt banking regulations to industry trends, customer needs, and international standards. Key provisions include allowing conventional and sharia rural banks to participate in capital support for waqf managers and permitting the transfer of receivables under specific conditions to maintain financial stability. Additionally, commercial banks can now use electronic signatures and agreements, reflecting digital advancements. The regulation's principles-based approach for guarantees in the sharia sector enhances flexibility in service provision. The POJK emphasizes strengthening sharia banking regulations, particularly for waqf management and sharia-based financing products. Effective December 13, 2024, with capital participation provisions commencing January 1, 2025, the OJK will oversee implementation, requiring banks to establish pertinent policies. The SIKePO application will facilitate information access about the regulation, fostering competitiveness and inclusivity in Islamic banking and supporting Indonesia's ambition to be a global sharia economy hub. #AsiaRisk #Regulation #Indonesia Get a full accounting of the security situation in Asia by subscribing to Security Asia. Subscribe now--free of charge--at Substack https://lnkd.in/gPtAUrsX https://lnkd.in/gUGAAXcN

Bank Negara Malaysia (BNM) may lower the Overnight Policy Rate (OPR) by 25 basis points to 2.75 per cent in 2025, compared to the current rate of 3.0 per cent, an economic analyst told Utusan Malaysia. #opr #usdmyr https://lnkd.in/ghyw7_EE

State-owned Bank Mandiri continued to record an impressive performance in the second quarter of this year (Q2 2024), as reflected in the realization of consolidated credit extensions reaching Rp 1.532 quadrillion in the first half of 2024, which marked 20.5 percent growth year-on-year (yoy). This growth, which exceeded the banking industry average of 12.36 percent yoy as of June 2024, has helped Bank Mandiri meet consolidated net profit growth of 5.23 percent yoy to Rp 26.6 trillion at the end of Q2 2024. Bank Mandiri president director Darmawan Junaidi said the state-owned lender’s exceeding the banking industry average for credit growth was inseparable from Indonesia’s steadfast economic development amid the dynamics of the global economy. Read more: https://lnkd.in/gShNfnkN #business #finance #bank #performance #credit #growth #thejakartapost PT Bank Mandiri (Persero) Tbk. Darmawan Junaidi Tim Utama

Have you experienced an increase in financial demands as you enter your thirties? It is never too late to improve your financial strategy. There are opportunities to improve your financial situation and overall quality of life. Discover practical tips to help you achieve your financial goals and lead a more meaningful life. #ExperienceMore - PT Bank BTPN Tbk berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI) dan merupakan peserta penjaminan LPS.

Bank Rakyat Persero (BBRI) is the second largest bank in Indonesia, a country with a GDP already higher than their former colonisers Holland and expected to grow to the 4th largest in the world by 2050. Average BBRI earnings growth is about 10% per year. Based on the 3Q24 report I expect FY24 earnings to come in at about Rp 400. Given the share price of Rp 4,060, that is equivalent to an earnings yield of 10%. WAY higher than the current 'risk free' yield on US bonds (4.6%), BRK (5%), MSFT (3%), CBA (4%), etc. Assuming that in the long term the 'risk free' yield will stay around the current 4.6% and adding a 6% margin for a big bank in 'risky' Indonesia, to me BBRI shares are slighly overvalued at the moment. Then again an investor effectively gets 8% per year in dividends to watch earnings, dividends and share price to go up by an average 10% per year. That may still be a much better deal than anything you can find in Western share markets. https://lnkd.in/gzQMUGyi Disclaimer: I am not officially qualified/allowed to give financial advise, so before buying or selling anything, always make sure you do your own research and calculations!

[INCREASE PROFIT SHARES BANKING] This infographic shows the profit growth of banking stocks in Indonesia from January to May for the years 2023 and 2024. It highlights the comparison of profits for several banks, including BRIS, BBCA, NISP, BBRI, BMRI, BNGA, BBNI, and BBTN, along with the percentage growth in their profits. The profits for 2024 show an overall increase compared to 2023, with BRIS leading the growth at 18.5%. Read more to get another information‼️📚 KSPM JAYA! KSPM SATU KELUARGA! KSPM FEB UNDIP www.kspmfebundip.com Line : @liv9953h Ig : kspmdiponegoro Twitter : kspmdiponegoro Tiktok : kspmdiponegoro Fb : Kspm Feb Undip Linkedln : Kelompok Studi Pasar Modal (KSPM) FEB Undip #coalmarket #export #indonesia #economics #macroeconomics #coalexport