Happy New year 2013

Happy New year 2013 card for you all.

Wishing you Happy New Year 2013, may this year come with blessing and happiness upon you all, through the year, thanks a lot for your coming. See you in 2013 !. Salam : UH.

New Foundation

We will have New Foundation for this Blogsite
with :
New Vision
New Concept
New Style
New contains
New story  

Please wait until I end make it. Many thanks for all.

Quit from Indonesia Investor

From end of this month I will quit from the Indonesian Investor or Indonesia Stock Exchange market, because of too many bullshit.

From NHK Radio Japan

Several months ago I received some letters from NHK Radio Japan, Indonesian program, it includes postcards, NHK news, etc. like these :



Upper : Fragrant greenery in early Summer (Shizuoka) &
Portable shrines into the sea (Kanagawa prefecture)
Below : Under the trees ( Nagano prefecture )

Let' s sing in May 2012.

NHK Reception verification card



NHK Radio Japan Indonesian program is the one from several Short Wave Radio which still exist on the air, and on the other side, a lot of Western Broadcasting services in SW has gone since several years ago because of economic crisis, budget shrinking for go on war, etc.  

Only the good will remains.

Finance Ratios PT. Bank Jatim Tbk. ( BJTM )

Finance RATIOS - PT. Bank Jatim Tbk. Ticker code : BJTM.

as December 31,                                  2011                    2010                    2009

Capital Adequacy Ratio :                  16,53 %               19,19 %               21,32 %

Nonperforming Loans    :                   0,97 %                 0,65 %                 1,05 %
( Gross )
NPL Net                                :            0,55 %                 0,24 %                 0,47 %

Return On Assets              :                 4,97 %                 5,58 %                  3,75 %
Return On Equity             :                 33,65 %              40,57 %                28,59 %
Net Interest Margin        :                    7,95 %                 9,17 %                  7,66 %
Opr cost / Opr Income   :                  60,02 %               59,58 %               66,04 %

Loan to Dep Ratio            :                 80,11 %               80,70 %               69,67 %

Note : Year 2010 & 2009 restated.

If you want trade our Stock, please read procedures How to Buy & Sell on the upper bar.

Balance sheet & Profit/Loss PT. Bank Jatim Tbk.

This is Summary of :
Balance sheet as December 31, 2011, 2010 and 2009.
( in millions Rupiah )

ASSETS :                                    2011                   2010                  2009

Cash                                     1.903.018        1.598.698         1.645.324
Other Receivables             227.850                 7.876                  3.705
Loans                               16.034.443      12.906.721        9.935.846
Fixed assets                          176.457            154.855            101.448
Others                                and so on         and so on           and so on

Total Assets                  24. 846.516     19.986.474      17.429.246

LIABLITIES :
Payables                                 514.513           207.607               199.891
Customer deposits       20.142.131     16.218.749        14.531.383
Other Bank dep                    246.236          244.312              108.357
Borrowings                            315.149            118.065              121.935
Others                                and so on          and so on           and so on


Total Liabilities            21.586.397      17.230.749        15.369.879


EQUITY :
Issued & Paid                      942.123             808.511              696.420
Retained earnings             880.579             894.366             516.832
Reserve                             1.437.417          1.052.848             846.115

Total Equity                    3.260.119          2.755.725          2.059.367

INCOME STATEMENT / Statement of Comprehensive income :
........................ ( Read more )

IPO Bank Jatim

PT. Bank Pembangunan Daerah Jawa Timur Tbk. ( PT. East Java Regional Development Bank ) or Bank of East Java will go public / IPO stock. 
Ticker code : BJTM
IPO date : July 3, 4, 5
Price : Rp. 430,- / share 
Allotment date : July 9
Refund date : July 10
On the IDX board : July 12
Stock amount : 2.983.537.000 shares B series or 20 % of stocks.
Head Office : Jl. Basuki Rachmat no. 98 - 104, Surabaya 60271, East Java. Telp. (031) 531 0090 ext. 346, 355
Any other information will be notify later.

Underwriter : Bahana & Mandiri Securities company, telp : (021) 526 3445.

This is the government Bank company or majority shares belong' s to Indonesian Regional government.
Notes : US $ 1,- = Rp. 9.450,- as June 26, 2012.

Until May 3rd, 2012

Hello Folks, I will meet you again in the next month, about May 3rd, I absent to see you for several weeks before, because I have to finish a job that one of our public company request to me to check their Annual Report 2012, for their Annual Grand Meeting next month.
I still busy right now, but I think I have to inform you first to tell you the above mentioned news.
So until next month ........ Bye.

RCI Calendar 2012 & NHK Radio Cards

This is a postcard & a QSL Card from NHK Radio Japan which I received Tuesday, January 17, 2012 :

Tranquility & Lights of a dream from : Yamanashi Prefecture

NHK Radio QSL card

From RCI ( Radio Canada International ) a Calendar 2012, some sample pictures, which I received Friday, February 3, 2012 :

Nunavut, YT

Canada calendar 2012

The new rank for Euro economy

The S&P 500 has announced the new rank for Euro economy countries like :


Rating             Country
____________________________________________
AAA                Germany, Finland, Luxembourg & Netherlands
AA+                 France & Austria
AA                    Belgium
AA-                  Estonia
A+                    Slovenia
A                       Spain, Malta & Slovakia


BBB+               Ireland & Italy
BB+                  Cyprus
BB                     Portugal
CC                     Greece


AAA = Highest grade credit; AA+, AA, AA- = Very high grade credit; A = High grade credit; BBB = Good credit grade; BB = Speculative grade credit; B = Very speculative credit; CCC = Substantial risk.


This announcement make all major stock market around the Europe and US get negative index.