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BIMB Holdings Berhad

KLSE:BIMB
Snowflake Description

Flawless balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BIMB
KLSE
MYR8B
Market Cap
  1. Home
  2. MY
  3. Banks
Company description

BIMB Holdings Berhad, an investment holding company, engages in Islamic banking business primarily in Malaysia. The last earnings update was 99 days ago. More info.


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BIMB Share Price and Events
7 Day Returns
1.7%
KLSE:BIMB
-1.6%
MY Banks
-1.4%
MY Market
1 Year Returns
12.4%
KLSE:BIMB
-13.8%
MY Banks
-4.5%
MY Market
BIMB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
BIMB Holdings Berhad (BIMB) 1.7% -0.2% 6% 12.4% 0.5% 1.4%
MY Banks -1.6% -2.2% -1.8% -13.8% 7.5% -2.2%
MY Market -1.4% -2.1% -0.9% -4.5% -7.2% -13%
1 Year Return vs Industry and Market
  • BIMB outperformed the Banks industry which returned -13.8% over the past year.
  • BIMB outperformed the Market in Malaysia which returned -4.5% over the past year.
Price Volatility
BIMB
Industry
5yr Volatility vs Market

BIMB Value

 Is BIMB Holdings Berhad undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of BIMB Holdings Berhad to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for BIMB Holdings Berhad.

KLSE:BIMB Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 9 analysts.
= Stable Book Value * Return on Equity
= MYR3.49 * 14.1%
MYR0.49
Book Value of Equity per Share Weighted future Book Value estimates from 9 analysts. MYR3.49
Discount Rate (Cost of Equity) See below 10.1%
Perpetual Growth Rate 10-Year MY Government Bond Rate 3.4%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for KLSE:BIMB
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year MY Govt Bond Rate 3.4%
Equity Risk Premium S&P Global 7%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.61
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.613 (1 + (1- 24%) (70.78%))
0.962
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.96
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 3.42% + (0.962 * 6.96%)
10.11%

Discounted Cash Flow Calculation for KLSE:BIMB using Excess Returns Model Model

The calculations below outline how an intrinsic value for BIMB Holdings Berhad is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

KLSE:BIMB Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (14.1% – 10.11%) * MYR3.49)
MYR0.14
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= MYR0.14 / (10.11% - 3.42%)
MYR2.07
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= MYR3.49 + MYR2.07
MYR5.56
KLSE:BIMB Discount to Share Price
Calculation Result
Value per share (MYR) From above. MYR5.56
Current discount Discount to share price of MYR4.27
= -1 x (MYR4.27 - MYR5.56) / MYR5.56
23.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price BIMB Holdings Berhad is available for.
Intrinsic value
23%
Share price is MYR4.27 vs Future cash flow value of MYR5.56
Current Discount Checks
For BIMB Holdings Berhad to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • BIMB Holdings Berhad's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • BIMB Holdings Berhad's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for BIMB Holdings Berhad's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are BIMB Holdings Berhad's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
KLSE:BIMB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in MYR MYR0.44
KLSE:BIMB Share Price ** KLSE (2019-12-05) in MYR MYR4.27
Malaysia Banks Industry PE Ratio Median Figure of 10 Publicly-Listed Banks Companies 9.73x
Malaysia Market PE Ratio Median Figure of 585 Publicly-Listed Companies 14.44x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of BIMB Holdings Berhad.

KLSE:BIMB PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= KLSE:BIMB Share Price ÷ EPS (both in MYR)

= 4.27 ÷ 0.44

9.71x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BIMB Holdings Berhad is good value based on earnings compared to the MY Banks industry average.
  • BIMB Holdings Berhad is good value based on earnings compared to the Malaysia market.
Price based on expected Growth
Does BIMB Holdings Berhad's expected growth come at a high price?
Raw Data
KLSE:BIMB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.71x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 9 Analysts
6.6%per year
Malaysia Banks Industry PEG Ratio Median Figure of 10 Publicly-Listed Banks Companies 1.6x
Malaysia Market PEG Ratio Median Figure of 262 Publicly-Listed Companies 1.36x

*Line of best fit is calculated by linear regression .

KLSE:BIMB PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 9.71x ÷ 6.6%

1.46x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BIMB Holdings Berhad is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on BIMB Holdings Berhad's assets?
Raw Data
KLSE:BIMB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in MYR MYR3.24
KLSE:BIMB Share Price * KLSE (2019-12-05) in MYR MYR4.27
Malaysia Banks Industry PB Ratio Median Figure of 10 Publicly-Listed Banks Companies 0.93x
Malaysia Market PB Ratio Median Figure of 910 Publicly-Listed Companies 0.75x
KLSE:BIMB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= KLSE:BIMB Share Price ÷ Book Value per Share (both in MYR)

= 4.27 ÷ 3.24

1.32x

* Primary Listing of BIMB Holdings Berhad.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BIMB Holdings Berhad is overvalued based on assets compared to the MY Banks industry average.
X
Value checks
We assess BIMB Holdings Berhad's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. BIMB Holdings Berhad has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BIMB Future Performance

 How is BIMB Holdings Berhad expected to perform in the next 1 to 3 years based on estimates from 9 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
6.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is BIMB Holdings Berhad expected to grow at an attractive rate?
  • BIMB Holdings Berhad's earnings growth is expected to exceed the low risk savings rate of 3.4%.
Growth vs Market Checks
  • BIMB Holdings Berhad's earnings growth is positive but not above the Malaysia market average.
  • BIMB Holdings Berhad's revenue growth is positive but not above the Malaysia market average.
Annual Growth Rates Comparison
Raw Data
KLSE:BIMB Future Growth Rates Data Sources
Data Point Source Value (per year)
KLSE:BIMB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 9 Analysts 6.6%
KLSE:BIMB Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 9 Analysts 5.6%
Malaysia Banks Industry Earnings Growth Rate Market Cap Weighted Average 5.8%
Malaysia Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.1%
Malaysia Market Earnings Growth Rate Market Cap Weighted Average 10.9%
Malaysia Market Revenue Growth Rate Market Cap Weighted Average 5.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
KLSE:BIMB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 9 Analyst Estimates (S&P Global) See Below
All numbers in MYR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
KLSE:BIMB Future Estimates Data
Date (Data in MYR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 3,486 892 7
2020-12-31 3,303 833 9
2019-12-31 3,144 783 8
2019-12-05
KLSE:BIMB Past Financials Data
Date (Data in MYR Millions) Revenue Cash Flow Net Income *
2019-06-30 2,955 1,464 758
2019-03-31 2,864 1,226 712
2018-12-31 2,744 -280 682
2018-09-30 2,672 -1,315 670
2018-06-30 2,608 -1,006 655
2018-03-31 2,574 -947 641
2017-12-31 2,529 -822 620
2017-09-30 2,467 -54 610
2017-06-30 2,394 -1,062 567
2017-03-31 2,368 -819 575
2016-12-31 2,328 -788 559
2016-09-30 2,329 -1,818 581

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • BIMB Holdings Berhad's earnings are expected to grow by 6.6% yearly, however this is not considered high growth (20% yearly).
  • BIMB Holdings Berhad's revenue is expected to grow by 5.6% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
KLSE:BIMB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 9 Analyst Estimates (S&P Global) See Below

All data from BIMB Holdings Berhad Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

KLSE:BIMB Future Estimates Data
Date (Data in MYR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 0.50 0.55 0.45 7.00
2020-12-31 0.47 0.51 0.44 8.00
2019-12-31 0.45 0.51 0.44 8.00
2019-12-05
KLSE:BIMB Past Financials Data
Date (Data in MYR Millions) EPS *
2019-06-30 0.44
2019-03-31 0.42
2018-12-31 0.40
2018-09-30 0.40
2018-06-30 0.39
2018-03-31 0.39
2017-12-31 0.38
2017-09-30 0.38
2017-06-30 0.35
2017-03-31 0.36
2016-12-31 0.35
2016-09-30 0.37

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • BIMB Holdings Berhad is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess BIMB Holdings Berhad's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Malaysia market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Malaysia market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
BIMB Holdings Berhad has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BIMB Past Performance

  How has BIMB Holdings Berhad performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare BIMB Holdings Berhad's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • BIMB Holdings Berhad's year on year earnings growth rate has been positive over the past 5 years.
  • BIMB Holdings Berhad's 1-year earnings growth exceeds its 5-year average (15.7% vs 8.8%)
  • BIMB Holdings Berhad's earnings growth has exceeded the MY Banks industry average in the past year (15.7% vs -2.5%).
Earnings and Revenue History
BIMB Holdings Berhad's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from BIMB Holdings Berhad Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

KLSE:BIMB Past Revenue, Cash Flow and Net Income Data
Date (Data in MYR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 2,954.75 757.69 1,244.36
2019-03-31 2,863.66 712.44 1,220.34
2018-12-31 2,744.09 682.06 1,172.71
2018-09-30 2,672.34 670.31 1,134.24
2018-06-30 2,608.22 655.12 1,081.53
2018-03-31 2,574.47 640.87 1,070.86
2017-12-31 2,528.67 619.84 1,046.44
2017-09-30 2,467.07 609.67 1,000.36
2017-06-30 2,393.72 566.84 970.06
2017-03-31 2,367.61 574.89 938.82
2016-12-31 2,327.87 559.04 933.87
2016-09-30 2,328.82 581.44 943.21
2016-06-30 2,295.08 560.65 940.14
2016-03-31 2,237.83 546.83 903.11
2015-12-31 2,192.99 547.28 880.91
2015-09-30 2,123.25 539.32 867.04
2015-06-30 2,078.60 544.79 843.08
2015-03-31 2,061.56 544.57 849.44
2014-12-31 2,048.20 532.33 835.96
2014-09-30 2,070.58 438.57 969.42
2014-06-30 2,049.83 388.73 935.02
2014-03-31 2,046.81 328.64 896.54
2013-12-31 2,022.19 279.33 851.61
2013-09-30 1,929.70 311.75 815.01
2013-06-30 1,923.93 296.84 796.67
2013-03-31 1,867.71 285.46 776.12
2012-12-31 1,790.12 276.22 745.92

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • BIMB Holdings Berhad has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • BIMB Holdings Berhad used its assets more efficiently than the MY Banks industry average last year based on Return on Assets.
  • Unable to establish if BIMB Holdings Berhad improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess BIMB Holdings Berhad's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
BIMB Holdings Berhad has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BIMB Health

 How is BIMB Holdings Berhad's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of BIMB Holdings Berhad's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from BIMB Holdings Berhad Company Filings, last reported 5 months ago.

KLSE:BIMB Past Debt and Equity Data
Date (Data in MYR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 6,230.14 5,013.99 23,395.27
2019-03-31 5,916.93 5,960.62 22,516.94
2018-12-31 5,494.72 7,305.76 6,565.85
2018-09-30 5,559.65 6,505.63 3,332.39
2018-06-30 5,284.07 6,996.26 4,078.72
2018-03-31 5,149.46 6,729.99 6,832.59
2017-12-31 4,918.35 5,871.59 6,642.58
2017-09-30 4,964.42 4,666.20 3,392.79
2017-06-30 4,742.55 5,830.72 4,001.97
2017-03-31 4,555.59 6,074.04 3,849.31
2016-12-31 4,217.14 5,062.25 6,557.59
2016-09-30 4,422.13 4,362.78 3,305.91
2016-06-30 4,239.80 4,624.30 4,589.05
2016-03-31 4,081.97 4,482.25 3,276.59
2015-12-31 3,695.73 5,272.52 5,070.10
2015-09-30 3,631.86 3,449.96 3,788.59
2015-06-30 3,662.05 3,833.58 6,232.23
2015-03-31 3,550.26 3,268.79 6,325.74
2014-12-31 3,189.26 2,394.69 5,847.63
2014-09-30 3,317.14 2,314.67 3,999.80
2014-06-30 3,157.57 2,537.18 4,725.80
2014-03-31 3,167.81 3,089.51 4,044.03
2013-12-31 3,049.94 2,569.71 6,089.51
2013-09-30 4,002.52 1,757.61 5,198.61
2013-06-30 3,945.69 1,397.17 6,164.42
2013-03-31 3,895.02 2,162.97 7,629.16
2012-12-31 3,828.39 1,652.87 4,428.70
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • BIMB Holdings Berhad has an acceptable proportion of non-loan assets held.
  • BIMB Holdings Berhad's liabilities are made up of primarily low risk sources of funding.
  • Loans at BIMB Holdings Berhad are broadly funded by customer deposits.
  • BIMB Holdings Berhad's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • BIMB Holdings Berhad has a sufficient allowance for bad loans.
  • BIMB Holdings Berhad has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess BIMB Holdings Berhad's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. BIMB Holdings Berhad has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BIMB Dividends

 What is BIMB Holdings Berhad's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.75%
Current annual income from BIMB Holdings Berhad dividends. Estimated to be 4.03% next year.
If you bought MYR2,000 of BIMB Holdings Berhad shares you are expected to receive MYR75 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • BIMB Holdings Berhad's pays a higher dividend yield than the bottom 25% of dividend payers in Malaysia (1.97%).
  • BIMB Holdings Berhad's dividend is below the markets top 25% of dividend payers in Malaysia (4.93%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
KLSE:BIMB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 9 Analyst Estimates (S&P Global) See Below
Malaysia Banks Industry Average Dividend Yield Market Cap Weighted Average of 10 Stocks 4.8%
Malaysia Market Average Dividend Yield Market Cap Weighted Average of 463 Stocks 3.6%
Malaysia Minimum Threshold Dividend Yield 10th Percentile 1.2%
Malaysia Bottom 25% Dividend Yield 25th Percentile 2%
Malaysia Top 25% Dividend Yield 75th Percentile 4.9%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

KLSE:BIMB Future Dividends Estimate Data
Date (Data in MYR) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.18 6.00
2020-12-31 0.17 8.00
2019-12-31 0.16 7.00
2019-12-05
KLSE:BIMB Past Annualized Dividends Data
Date (Data in MYR) Dividend per share (annual) Avg. Yield (%)
2019-08-28 0.160 3.883
2019-04-19 0.155 3.490
2019-02-28 0.155 3.592
2018-11-28 0.155 4.087
2018-04-17 0.140 3.656
2018-02-28 0.140 3.485
2017-11-30 0.140 3.340
2017-04-25 0.130 2.950
2017-02-27 0.130 2.956
2016-11-30 0.130 3.035
2016-04-22 0.122 3.001
2016-02-26 0.122 3.231
2015-11-30 0.122 3.300
2015-05-26 0.000 0.000
2015-03-02 0.000 0.000
2014-11-25 0.232 5.760
2014-03-31 0.120 2.832
2013-04-01 0.120 2.857
2013-02-27 0.120 3.685
2012-04-03 0.108 3.697
2012-02-28 0.145 6.340
2011-11-29 0.070 3.501
2011-08-25 0.070 3.677
2011-03-30 0.032 1.741
2011-02-25 0.032 2.321
2010-11-26 0.030 2.118
2010-08-30 0.015 1.217
2009-10-29 0.012 0.956

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of BIMB Holdings Berhad's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as BIMB Holdings Berhad has not reported any payouts.
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.7x coverage).
X
Income/ dividend checks
We assess BIMB Holdings Berhad's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.2%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can BIMB Holdings Berhad afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. BIMB Holdings Berhad has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BIMB Management

 What is the CEO of BIMB Holdings Berhad's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Mohd bin Mohamed
COMPENSATION MYR418,590
AGE 45
TENURE AS CEO 1 years
CEO Bio

Mr. Mohd Muazzam bin Mohamed has been Chief Executive Officer at BIMB Holdings Bhd since December 05, 2018. Mr. Muazzam has been Chief Executive Officer of Bank Islam Malaysia Bhd. since December 05, 2018 and was its Chief Financial Officer since May 11, 2015. He served as Acting Chief Executive Officer of Bank Islam Malaysia Bhd. from July 20, 2018 to December 05, 2018. He joined Bank Islam Malaysia in May 11, 2015, with over 22 years of experience in the field of audit, finance and consulting. Since joining the Bank, he has played a key role in the Bank’s strategic direction, capital and balance sheet management, corporate finance, credit, market positioning, financial planning & control and general administration. He is a member of various executive committees in Bank Islam and chairs several project steering committees. He has been Acting Chief Executive Officer at Bank Islam Malaysia Berhad since November 2018. He served as Chief Financial Officer of Bank Islam Malaysia Berhad from 2015 to July 2018. He served as Executive Director, Management Consulting and Partner at ASEAN Management Consulting, KPMG Malaysia from 2007 to 2015. He served as Senior Manager, Audit, KPMG Malaysia from 2002 to 2007. He served as Assistant Manager, Financial Services Audit, KPMG London from 2000 to 2002. He served as Consultant, Corporate Finance, KPMG Malaysia from 2000 to 2002. He served as Audit Assistant to Audit Senior, Audit Division, KPMG Malaysia from 1997 to 2000. He is also a Director on the Board of several companies within BHB Group and Bank Islam Group. He is a Chartered Accountant [Malaysian Institute of Accountants], Certified Public Accountant [Malaysian Institute of Certified Public Accountants], Certified Information System Auditor [ISACA] and Chartered Public Finance Accountant [Chartered Institute of Public Finance and Accountancy]. He was a Partner of KPMG and Executive Director of KPMG’s Management Consulting practice from 1997 to 2015. He holds Bachelor of Accounting from International Islamic University Malaysia.

CEO Compensation
  • Insufficient data for Mohd to compare compensation growth.
  • Mohd's remuneration is lower than average for companies of similar size in Malaysia.
Management Team Tenure

Average tenure and age of the BIMB Holdings Berhad management team in years:

2.8
Average Tenure
51
Average Age
  • The tenure for the BIMB Holdings Berhad management team is about average.
Management Team

Mohd bin Mohamed

TITLE
Chief Executive Officer
COMPENSATION
MYR419K
AGE
45
TENURE
1 yrs

Nik Mohd Bin Yusoff

TITLE
Non-Independent Executive Director
COMPENSATION
MYR137K
AGE
54
TENURE
0.3 yrs

Azizan Aziz

TITLE
Chief Financial Officer
AGE
43
TENURE
0.4 yrs

Mohamad bin Mohamad Alam

TITLE
Chief Operating Officer
AGE
51
TENURE
4.7 yrs

Haryati Yahya

TITLE
Head of Investor Relations

Maria Said

TITLE
Head of Legal & Secretarial Division
AGE
52

Wan Norkhairi Samad

TITLE
Group Head of Corporate Communications
AGE
59
TENURE
4.6 yrs

Cik Kamaruddin

TITLE
Head of Corporate Services

Mohd Bin Chik

TITLE
Group Chief Shariah Officer
AGE
41
TENURE
4.6 yrs

Mohamed Iran Moriff Shariff

TITLE
Chief Internal Auditor
Board of Directors Tenure

Average tenure and age of the BIMB Holdings Berhad board of directors in years:

4.1
Average Tenure
63.5
Average Age
  • The tenure for the BIMB Holdings Berhad board of directors is about average.
Board of Directors

Ambrin Bin Buang

TITLE
Independent Chairman of the Board
COMPENSATION
MYR375K
AGE
70
TENURE
1.8 yrs

Nik Mohd Bin Yusoff

TITLE
Non-Independent Executive Director
COMPENSATION
MYR137K
AGE
54
TENURE
1.5 yrs

Rashid Bin Ismail

TITLE
CEO & Executive Director of BIMB Securities Sdn Bhd
AGE
59
TENURE
8.9 yrs

Ismail bin Adam

TITLE
Senior Independent Non-Executive Director
COMPENSATION
MYR345K
AGE
69
TENURE
8.6 yrs

Mohd Bin Ahmad Nordin

TITLE
Independent Non-Executive Director
COMPENSATION
MYR331K
AGE
64
TENURE
4.5 yrs

Noraini Che Dan

TITLE
Independent Non-Executive Director
COMPENSATION
MYR318K
AGE
63
TENURE
3.7 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (MYR) Value (MYR)
X
Management checks
We assess BIMB Holdings Berhad's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. BIMB Holdings Berhad has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BIMB News

Simply Wall St News

BIMB Company Info

Description

BIMB Holdings Berhad, an investment holding company, engages in Islamic banking business primarily in Malaysia. Its Banking segment provides Islamic banking and related services. The company’s Takaful segment underwrites family and general Islamic insurance products. Its Others segment is involved in ijarah financing, stock broking, and unit trust activities. The company also offers share margin financing, investment advisory, nominees and custodian, corporate advisory, underwriting, and placement services. In addition, it engages in assets leasing activities; and providing manpower services. BIMB Holdings Berhad operates approximately 149 branches and 1,007 self-service terminals. The company was founded in 1997 is based in Kuala Lumpur, Malaysia.

Details
Name: BIMB Holdings Berhad
BIMB
Exchange: KLSE
Founded: 1997
MYR7,533,487,188
1,764,282,714
Website: http://www.bimbholdings.com
Address: BIMB Holdings Berhad
Menara Bank Islam,
31st Floor,
Kuala Lumpur,
50450,
Malaysia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
KLSE BIMB Ordinary Shares Bursa Malaysia MY MYR 17. Sep 1997
Number of employees
Current staff
Staff numbers
5,000
BIMB Holdings Berhad employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/12/05 14:56
End of day share price update: 2019/12/05 00:00
Last estimates confirmation: 2019/12/02
Last earnings filing: 2019/08/28
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.