DDM Analysis: BBHI.JK

Valuation Snapshot

Stable Growth	$191.89 - $281.34	$234.96
Multi-Stage	$342.25 - $375.90	$358.75
Blended Fair Value	$296.86
Current Price	$1,485.00
Upside	-80.01%
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%	0.00%	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	544,397.11
(-) Cash Dividends Paid (M)	233,382.95
(=) Cash Retained (M)	311,014.15

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	108,879.42	68,049.64	40,829.78
Cash Retained (M)	311,014.15	311,014.15	311,014.15
(-) Cash Required (M)	-108,879.42	-68,049.64	-40,829.78
(=) Excess Retained (M)	202,134.73	242,964.52	270,184.37
(/) Shares Outstanding (M)	21,716.27	21,716.27	21,716.27
(=) Excess Retained per Share	9.31	11.19	12.44
LTM Dividend per Share	10.75	10.75	10.75
(+) Excess Retained per Share	9.31	11.19	12.44
(=) Adjusted Dividend	20.05	21.94	23.19
WACC / Discount Rate	8.24%	8.24%	8.24%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$191.89	$234.96	$281.34
Upside / Downside	-87.08%	-84.18%	-81.05%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	544,397.11	538,953.14	533,563.61	528,227.97	522,945.69	517,716.23	533,247.72
Payout Ratio	42.87%	52.30%	61.72%	71.15%	80.57%	90.00%	92.50%
Projected Dividends (M)	233,382.95	281,850.86	329,326.08	375,823.60	421,358.24	465,944.61	493,254.14

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.24%	8.24%	8.24%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	257,758.74	260,388.93	263,019.12
Year 2 PV (M)	275,431.87	281,081.60	286,788.70
Year 3 PV (M)	287,452.54	296,342.20	305,413.28
Year 4 PV (M)	294,732.23	306,947.50	319,538.60
Year 5 PV (M)	298,060.52	313,581.22	329,741.85
PV of Terminal Value (M)	6,018,973.06	6,332,394.95	6,658,739.44
Equity Value (M)	7,432,408.95	7,790,736.41	8,163,240.99
Shares Outstanding (M)	21,716.27	21,716.27	21,716.27
Fair Value	$342.25	$358.75	$375.90
Upside / Downside	-76.95%	-75.84%	-74.69%

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PT Allo Bank Indonesia Tbk (BBHI.JK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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