DDM Analysis: BNLI.JK

Valuation Snapshot

Stable Growth	$3,747.19 - $20,138.82	$7,367.55
Multi-Stage	$2,123.75 - $2,322.39	$2,221.25
Blended Fair Value	$4,794.40
Current Price	$5,950.00
Upside	-19.42%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	0.00%	18.02%	25.00	15.00	8.50	0.00	0.00	0.00	0.00	0.00	0.00	4.60
YoY Growth	-	-	66.67%	76.47%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-100.00%	-3.60%
Dividend Yield	-	-	0.99%	1.55%	0.89%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.89%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	3,663,858.00
(-) Cash Dividends Paid (M)	1,085,439.00
(=) Cash Retained (M)	2,578,419.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	732,771.60	457,982.25	274,789.35
Cash Retained (M)	2,578,419.00	2,578,419.00	2,578,419.00
(-) Cash Required (M)	-732,771.60	-457,982.25	-274,789.35
(=) Excess Retained (M)	1,845,647.40	2,120,436.75	2,303,629.65
(/) Shares Outstanding (M)	36,181.35	36,181.35	36,181.35
(=) Excess Retained per Share	51.01	58.61	63.67
LTM Dividend per Share	30.00	30.00	30.00
(+) Excess Retained per Share	51.01	58.61	63.67
(=) Adjusted Dividend	81.01	88.61	93.67
WACC / Discount Rate	7.78%	7.78%	7.78%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$3,747.19	$7,367.55	$20,138.82
Upside / Downside	-37.02%	23.82%	238.47%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	3,663,858.00	3,902,008.77	4,155,639.34	4,425,755.90	4,713,430.03	5,019,802.98	5,170,397.07
Payout Ratio	29.63%	41.70%	53.78%	65.85%	77.93%	90.00%	92.50%
Projected Dividends (M)	1,085,439.00	1,627,155.61	2,234,709.39	2,914,370.44	3,672,945.77	4,517,822.68	4,782,617.29

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.78%	7.78%	7.78%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	1,495,513.90	1,509,689.39	1,523,864.87
Year 2 PV (M)	1,887,747.00	1,923,703.27	1,959,998.76
Year 3 PV (M)	2,262,709.78	2,327,664.04	2,393,849.63
Year 4 PV (M)	2,620,957.53	2,721,752.16	2,825,426.42
Year 5 PV (M)	2,963,029.78	3,106,145.22	3,254,738.03
PV of Terminal Value (M)	65,609,999.53	68,778,987.04	72,069,259.16
Equity Value (M)	76,839,957.51	80,367,941.13	84,027,136.89
Shares Outstanding (M)	36,181.35	36,181.35	36,181.35
Fair Value	$2,123.75	$2,221.25	$2,322.39
Upside / Downside	-64.31%	-62.67%	-60.97%

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PT Bank Permata Tbk (BNLI.JK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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