In this company we can see progress of fluctuation in stock price of BNI within a year from January 2nd, 2010 up to October 29th, 2010 by seeing the average stock return with 0.00353 which means that at least the investor whom holds the stock of this company will gain 0.00353 or 0,353% profit per day. The Beta was calculated as 0.793645942. This beta means that the market will influence the stock return by 79.36%. We can take further explanation that every time the market return is increased or decreased for $1, then the stock return will have an increase or decrease in price for $ 0.7936 as a response to the beta relationship it holds.
There are some cases that we can see in the table of stock price showing that stock return has e opposite movement from the market return. When the market is increasing because special events that occurred that day, the stock return was increasing with the value greater than 1.5 and vice-versa.
PT Bank Negara Indonesia Announces Earnings Results for the First Nine Months. PT Bank Negara Indonesia reported a net profit of IDR 2.95 trillion in the first nine months of 2010, up 59.33% from the same period last year
So this company is quite the right place for risk seeker to invest their money in, since it could be classified as an aggressive stock company (Beta more than 1.0- average) but for those that does not enjoy risk or want to play it safe, it would be best not to put all of your money in this company, Although, a good investor would invest not only in one place but in several places. So in other words, do not put all your money in one basket since you might lose them and be left with nothing.
Again supported by the fact of the products which are categorized as the stars and cash cow such as: Individual, Credit Card, Corporate and BNI Syariah which will generate profit in the future, holding the investment in the Pt.Bank Nasional Indonesia.Tbk is a very compromising action that need to be taken by the investors whom are likely to receive benefits in term of monetary and also reputation.
Rabu, 24 November 2010
BCG Matrix and Analysis
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PT.Bank Nasional Indonesia is having 6 main products:
1. Individual:
BNI card
BNI Instant
Credit Card
BNI Griya
2. Corporate:
Cash Collateral Credit
Credit Card
Primary Cooperative Credit
3. Syariah:
BNI Hasanah Card
Personal Loan
Commercial Loan
4. Credit Card
5. Investor Relationship
6. CSR
For the Stars the products are:
1. Individual:
a. BNI card
b. BNI Instant
c. Credit Card
d. BNI Griya
The Individual product can be concluded as the stars product because most of the financial activities happen in the daily business run of this company use the individual products such as BNI card, BNI Instant, Credit Card which those products participated in giving high profit and income to the whole company.
2. Corporate:
a. Cash Collateral Credit
b. Credit Card
c. Primary Cooperative Credit
As mentioned in the official website of Bank Nasional Indonesia that its main objective is to help the small-middle business owner in increasing the value of their companies, the BNI product for corporate is working on giving the loan to the small-middle business owner with certain interest. This type of product is able gain high interest in the business doers and also the investors, local and foreign, and trust Bank Nasional Indonesia as their business partner.
3. Credit Card
The use of credit card increases from year to year in Indonesia. Because of that, this type of product is a very promising product which will generate cash-flow and also profit from its objection. Thus later on the supporting article will be explained further how much percentage that the credit card participates in the company as a business product.
The Cow Cash, the products are:
1. BNI Syariah
As mentioned in the website that the BNI Syariah is not much different with the BNI in giving the service and product. For instance, the different product it holds is about the profit share and also the selling and doing business using the Islamic rules. This type of product is concluded as the cash cow product because it’s market grow in a very slow movement but it generates quite much money since Indonesia has a majority of Moslem people whom may consider using the BNI Syariah product at the first hand. Further explanation about this product’s profitability will be explained later on the article below.
The Dog:
There is no such product that can be put in here since the BNI is still a growing company which has few products but most of them are the promising products that will generate some profits along the way.
The Question Mark:
1. CSR
2. Investor Relationship
These two products are put in the question mark because most of the time they don’t generate monetary profit while they need lots of cash in doing so. As the purpose of the products to maintain the public and investors relationship with the company, these two products are considered with high demands but low return. These two products will increase the market share of the company because it builds good image for the company so people will use company’s products.
PT.Bank Nasional Indonesia is having 6 main products:
1. Individual:
BNI card
BNI Instant
Credit Card
BNI Griya
2. Corporate:
Cash Collateral Credit
Credit Card
Primary Cooperative Credit
3. Syariah:
BNI Hasanah Card
Personal Loan
Commercial Loan
4. Credit Card
5. Investor Relationship
6. CSR
For the Stars the products are:
1. Individual:
a. BNI card
b. BNI Instant
c. Credit Card
d. BNI Griya
The Individual product can be concluded as the stars product because most of the financial activities happen in the daily business run of this company use the individual products such as BNI card, BNI Instant, Credit Card which those products participated in giving high profit and income to the whole company.
2. Corporate:
a. Cash Collateral Credit
b. Credit Card
c. Primary Cooperative Credit
As mentioned in the official website of Bank Nasional Indonesia that its main objective is to help the small-middle business owner in increasing the value of their companies, the BNI product for corporate is working on giving the loan to the small-middle business owner with certain interest. This type of product is able gain high interest in the business doers and also the investors, local and foreign, and trust Bank Nasional Indonesia as their business partner.
3. Credit Card
The use of credit card increases from year to year in Indonesia. Because of that, this type of product is a very promising product which will generate cash-flow and also profit from its objection. Thus later on the supporting article will be explained further how much percentage that the credit card participates in the company as a business product.
The Cow Cash, the products are:
1. BNI Syariah
As mentioned in the website that the BNI Syariah is not much different with the BNI in giving the service and product. For instance, the different product it holds is about the profit share and also the selling and doing business using the Islamic rules. This type of product is concluded as the cash cow product because it’s market grow in a very slow movement but it generates quite much money since Indonesia has a majority of Moslem people whom may consider using the BNI Syariah product at the first hand. Further explanation about this product’s profitability will be explained later on the article below.
The Dog:
There is no such product that can be put in here since the BNI is still a growing company which has few products but most of them are the promising products that will generate some profits along the way.
The Question Mark:
1. CSR
2. Investor Relationship
These two products are put in the question mark because most of the time they don’t generate monetary profit while they need lots of cash in doing so. As the purpose of the products to maintain the public and investors relationship with the company, these two products are considered with high demands but low return. These two products will increase the market share of the company because it builds good image for the company so people will use company’s products.
Factors that influence the Ri and Rm
Taken from the Bloomberg Business Week April edition, we can see that the IHSG is having the chance in getting better in the BEI for the following months.
From the INILAH.COM, Jakarta the movement of IHSG for the closing for Thursday (25/3/2010) the index is quite high with increase of 24, 3 point (0.88%) to the level 2.799,15
PT Bank Negara Indonesia Announces Earnings Results for the First Nine Months. PT Bank Negara Indonesia reported a net profit of IDR 2.95 trillion in the first nine months of 2010, up 59.33% from the same period last year
From the INILAH.COM, Jakarta the movement of IHSG for the closing for Thursday (25/3/2010) the index is quite high with increase of 24, 3 point (0.88%) to the level 2.799,15
PT Bank Negara Indonesia Announces Earnings Results for the First Nine Months. PT Bank Negara Indonesia reported a net profit of IDR 2.95 trillion in the first nine months of 2010, up 59.33% from the same period last year
Analysis of Beta
Beta is the sensitivity of the stock return to the return of the market portfolio. In another words, Beta is used to measure the change in stock return when there is a change in the market return. And in this company the Beta was calculated as 0.793645942. This beta means that the market will influence the stock return by 79.36%. We can take further explanation that every time the market return is increased or decreased for $1, then the stock return will have an increase or decrease in price for $ 0.7936 as a response to the beta relationship it holds.
There are some cases that we can see in the table of stock price showing that stock return has e opposite movement from the market return. When the market is increasing because special events that occurred that day, the stock return was increasing with the value greater than 1.5 and vice-versa.
So this company is quite the right place for risk seeker to invest their money in, since it could be classified as an aggressive stock company (Beta more than 1.0- average) but for those that does not enjoy risk or want to play it safe, it would be best not to put all of your money in this company, Although, a good investor would invest not only in one place but in several places. So in other words, do not put all your money in one basket since you might lose them and be left with nothing.
There are some cases that we can see in the table of stock price showing that stock return has e opposite movement from the market return. When the market is increasing because special events that occurred that day, the stock return was increasing with the value greater than 1.5 and vice-versa.
So this company is quite the right place for risk seeker to invest their money in, since it could be classified as an aggressive stock company (Beta more than 1.0- average) but for those that does not enjoy risk or want to play it safe, it would be best not to put all of your money in this company, Although, a good investor would invest not only in one place but in several places. So in other words, do not put all your money in one basket since you might lose them and be left with nothing.
Analysis of Average and Standard Deviation
An average is a single value that is meant to typify a list of values. If all the numbers in the list are the same, then this number should be used. If the numbers are not the same, an easy way to get a representative value from a list is to randomly pick any number from the list. (Taken from www.wikipedia.com ) We can see progress of fluctuation in stock price of BNI within a year from January 2nd, 2010 up to October 29th, 2010 by seeing the average stock return with 0.00353 which means that at least the investor whom holds the stock of this company will gain 0.00353 or 0,353% profit per day. Average in return investment of 0,003102 can also mean that the change of price from one day to the next day is only in a light change.
Even though that there are some special days where the change is happening in a very high portion or very low portion, but likely it happened because of special occasion by an event related to financial or economic life which will be explained later on the IHSG situations within a year.
In finance, standard deviation is applied to the annual rate of return of an investment to measure the investment's volatility. Standard deviation is also known as historical volatility and is used by investors as a gauge for the amount of expected volatility. The standard deviation or return investment for the Bank Negara Indonesia, Tbk. as 0.020656 which means that the differences between the expected return and the actual return is 2% so that the investors whom are about to buy the stock of this company can predict at high percentage of correctness of the upcoming price in the coming days.
For the market return, average value of 0.001787 means that the investor whom is hoping to gain some profits from the market return will at least receive 0.1787% profit from the market price. Some major increase or decrease happened as the responses to the situational condition that was happening in the BEJ at the year of 2010. We can see the situation in the BEJ later on the IHSG situations within a year.
For the standard deviation of market return, the calculation result for 0.012901 or 1.2901%. So it means that the difference between the investors’ expected return and actual return from the market (IHSG) is quite small since it’s around than 1% but we have to note down that some fluctuations, that happened to make a highest price in the IHSG or the lowest price, were due to the occasional situations that happen within a year.
Some special events are influencing the fluctuation in the market and also stock price of the company. The upcoming discussion will be talking about what has been happening in the IHSG along the year of 2010.
Even though that there are some special days where the change is happening in a very high portion or very low portion, but likely it happened because of special occasion by an event related to financial or economic life which will be explained later on the IHSG situations within a year.
In finance, standard deviation is applied to the annual rate of return of an investment to measure the investment's volatility. Standard deviation is also known as historical volatility and is used by investors as a gauge for the amount of expected volatility. The standard deviation or return investment for the Bank Negara Indonesia, Tbk. as 0.020656 which means that the differences between the expected return and the actual return is 2% so that the investors whom are about to buy the stock of this company can predict at high percentage of correctness of the upcoming price in the coming days.
For the market return, average value of 0.001787 means that the investor whom is hoping to gain some profits from the market return will at least receive 0.1787% profit from the market price. Some major increase or decrease happened as the responses to the situational condition that was happening in the BEJ at the year of 2010. We can see the situation in the BEJ later on the IHSG situations within a year.
For the standard deviation of market return, the calculation result for 0.012901 or 1.2901%. So it means that the difference between the investors’ expected return and actual return from the market (IHSG) is quite small since it’s around than 1% but we have to note down that some fluctuations, that happened to make a highest price in the IHSG or the lowest price, were due to the occasional situations that happen within a year.
Some special events are influencing the fluctuation in the market and also stock price of the company. The upcoming discussion will be talking about what has been happening in the IHSG along the year of 2010.
Company Profile
Initially referred to by its unabbreviated name of Bank Negara Indonesia when it was established in 1946, BNI is the first bank formed and owned by the Indonesian Government.
Historical records indicate that on the eve of the 30th of October 1946, or merely a few months after its formal establishment, the Bank distributed the first currency bills ever issued by Indonesia’s Government popularly known at the time as ORI, or ‘Oeang Republik Indonesia’ (Currency of the Republic of Indonesia).
In fact, this day is commemorated annually as the National Finance Day while the date of the Bank's establishment - the 5th of July - was designated as National Bank Day
BNI’s legal status was upgraded in 1992 to that of a state-owned limited corporation under the name of PT Bank Negara Indonesia (Persero) and the bank decided to become a public company through its initial public offering of its shares in 1996.
In keeping with the spirit of the heroic national struggle that is rooted in its history, BNI strives to provide the best services for the country and to ultimately become the Pride of the Nation, today and always.
Historical records indicate that on the eve of the 30th of October 1946, or merely a few months after its formal establishment, the Bank distributed the first currency bills ever issued by Indonesia’s Government popularly known at the time as ORI, or ‘Oeang Republik Indonesia’ (Currency of the Republic of Indonesia).
In fact, this day is commemorated annually as the National Finance Day while the date of the Bank's establishment - the 5th of July - was designated as National Bank Day
BNI’s legal status was upgraded in 1992 to that of a state-owned limited corporation under the name of PT Bank Negara Indonesia (Persero) and the bank decided to become a public company through its initial public offering of its shares in 1996.
In keeping with the spirit of the heroic national struggle that is rooted in its history, BNI strives to provide the best services for the country and to ultimately become the Pride of the Nation, today and always.
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