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                                                                                                                                              Rating Summary
                                                                                                                                                                        April 16, 2024


                                                      PT Summarecon Agung Tbk
Credit Ratings                                                 PEFINDO has affirmed its idA+ ratings to PT Summarecon Agung Tbk. (SMRA) and its
General Obligation (GO)                    idA+/Stable         outstanding bonds. Outlook for the corporate rating is stable. The rating reflects
SR Bond III Phase II – B/2019                       idA+       SMRA’s strong business position in the property industry, good asset quality, and
SR Sukuk IV Phase I/2022                            idA+       good recurring income. The rating is constrained by the risk of new projects in new
SR Sukuk IV Phase II/2023                           idA+       areas and exposure to macroeconomic conditions.

Rating Period                                                  The rating may be raised if the Company were to sustain stronger marketing sales
April 5, 2024 – April 1, 2025                                  performance and higher recurring income, providing it with stronger revenue visibility,
                                                               followed with an improved financial profile. The rating may be lowered if the Company
Published Rating History                                       records significantly lower marketing sales and a slower than expected construction
APR 2023                                                       progress, resulting in revenue falling significantly short of targets. The rating may also
                                           idA+/Stable
APR 2022                                                       be under pressure if it incurs significantly higher debt than projected, resulting in a
                                           idA+/Stable
SEP 2021                                     idA/Stable
                                                               more aggressive financial profile.
SEP 2020                                     idA/Stable        SMRA is engaged in the property business and is divided into three divisions: property
SEP 2019                                     idA/Stable
                                                               development, investment property, and leisure and hospitality. Its main property
                                                               projects are in Kelapa Gading, Serpong, Bekasi, Bandung, Karawang, Makassar, Bogor,
                                                               and Crown Gading. As of December 31, 2023, its shareholders were PT Semarop
                                                               Agung (33.83%), Harto Djojo Nagaria (0.13%), Liliawati Rahardjo (1.5%), and others
                                                               including the public (64.53%).




Rating Definition                                             Financial Highlights
 Debt security rated idA indicates that the obligor’s          As of/for the year ended                                 Dec-2023             Dec-2022              Dec-2021        Dec-2020
 capacity to meet its long-term financial commitments
                                                                                                                         (Audited)            (Audited)             (Audited)      (Audited)
 on the debt security, relative to other Indonesian
                                                               Total adjusted assets [IDR bn]                              31,168.4             28,433.6                26,049.7    24,922.5
 obligors, is strong, however, the debt security is
                                                               Total adjusted debt [IDR bn]                                 7,203.3              5,914.5                 7,045.0     9,458.1
 somewhat more susceptible to adverse effects of
 changes in circumstances and economic conditions              Total adjusted equity [IDR bn]                              12,303.1             11,750.0                11,230.2     9,085.7
 than higher-rated debt. The Plus (+) sign indicates           Total sales [IDR bn]                                         6,658.8              5,719.4                 5,567.9     5,030.0
 that the rating is relatively strong within the respective    EBITDA [IDR bn]                                              2,163.7              1,984.3                 1,818.6     1,545.9
 rating category.                                              Net income after MI [IDR bn]                                    766.0                625.4                 323.7       177.2
                                                               EBITDA margin [%]                                                 32.5                 34.7                 32.7        30.7
                                                               Adjusted debt/EBITDA [X]                                           3.3                  3.0                   3.9         6.1
                                                               Adjusted debt/adjusted equity [X]                                  0.6                  0.5                   0.6         1.0
                                                               FFO/adjusted debt [%]                                             21.6                 23.3                 15.4          6.7
                                                               EBITDA/IFCCI [X]                                                   4.3                  3.8                   2.5         1.7
                                                               USD exchange rate [IDR/USD]                                   15,416               15,731                 14,269      14,105

                                                              FFO = EBITDA – IFCCI + Interest Income – Current Tax Expense
                                                              EBITDA = Operating Profit + Depreciation Expense + Amortization Expense
 Contact Analysts:                                            IFCCI = Gross Interest Expense + Other Financial Charges + Capitalized Interest; (FX Loss not included)
                                                              MI= Minority Interest                *annualized
 tsanya.chindra@pefindo.co.id
 yogie.perdana@pefindo.co.id                                  The above ratios have been computed based on information from the company and published accounts. Where applicable, some items have
                                                              been reclassified according to PEFINDO’s definitions.


   http://www.pefindo.com                                                                                                                                                              April 2024
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                                                                                                                          Rating Summary
                                                                                                                                            April 16, 2024




DISCLAIMER
The rating contained in this report or publication is the opinion of PT Pemeringkat Efek Indonesia (PEFINDO) given based on the rating result on the date the rating
was made. The rating is a forward-looking opinion regarding the rated party’s capability to meet its financial obligations fully and on time, based on assumptions
made at the time of rating. The rating is not a recommendation for investors to make investment decisions (whether the decision is to buy, sell, or hold any debt
securities based on or related to the rating or other investment decisions) and/or an opinion on the fairness value of debt securities and/or the value of the entity
assigned a rating by PEFINDO. All the data and information needed in the rating process are obtained from the party requesting the rating, which are considered
reliable in conveying the accuracy and correctness of the data and information, as well as from other sources deemed reliable. PEFINDO does not conduct audits,
due diligence, or independent verifications of every information and data received and used as basis in the rating process. PEFINDO does not take any responsibility
for the truth, completeness, timeliness, and accuracy of the information and data referred to. The accuracy and correctness of the information and data are fully the
responsibility of the parties providing them. PEFINDO and every of its member of the Board of Directors, Commissioners, Shareholders and Employees are not
responsible to any party for losses, costs and expenses suffered or that arise as a result of the use of the contents and/or information in this rating report or publication,
either directly or indirectly. PEFINDO generally receives fees for its rating services from parties who request the ratings, and PEFINDO discloses its rating fees prior to
the rating assignment. PEFINDO has a commitment in the form of policies and procedures to maintain objectivity, integrity, and independence in the rating process.
PEFINDO also has a “Code of Conduct” to avoid conflicts of interest in the rating process. Ratings may change in the future due to events that were not anticipated
at the time they were first assigned. PEFINDO has the right to withdraw ratings if the data and information received are determined to be inadequate and/or the rated
company does not fulfill its obligations to PEFINDO. For ratings that received approval for publication from the rated party, PEFINDO has the right to publish the
ratings and analysis in its reports or publication, and publish the results of the review of the published ratings, both periodically and specifically in case there are
material facts or important events that could affect the previous ratings. Reproduction of the contents of this publication, in full or in part, requires written approval
from PEFINDO. PEFINDO is not responsible for publications by other parties of contents related to the ratings given by PEFINDO.




http://www.pefindo.com                                                                                                                                            April 2024

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Names mentioned 5 people and organisations named in the text · linked when the evidence is strong

linked org Summarecon Agung Tbk p.1 ×5
linked org PT Semarop Agung p.1
linked person Harto Djojo p.1
linked person Liliawati Rahardjo p.1
unresolved org PT Pemeringkat Efek Indonesia p.2

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