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    Banks - Regional
PT Bank Mestika Dharma Tbk

PT Bank Mestika Dharma Tbk

BBMD.JK
PT Bank Mestika Dharma TbkID flagIndonesia Stock Exchange
1,955.00
IDR
+40.00
- -
7.88TMarket Cap
PT Bank Mestika Dharma Tbk
BBMD.JK
(Indonesia Stock Exchange)

Recent

price

1,955.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
144.67
150.6
156.05
167.46
178.8
196.7
184.47
188.3
230.7
257.94
276.03
259.62
250.41
- -
248.38
Revenue per Share
66.22
75.38
57.93
58.87
43.83
64.61
65
60.53
80
129.02
129.9
103.58
100.12
- -
93.91
Basic EPS, GAAP
-68.46
27.76
60.63
-4.64
20.7
102.11
-55.47
72.1
463.13
293.65
-255.99
-116.09
-485.54
- -
9.09
Free Cash Flow per Basic Share
- -
- -
19.56
12.22
14.67
14.67
14.67
- -
- -
26.82
34.26
34.27
34.25
- -
- -
Dividend per Share
367.55
442.62
478.38
525.1
556.93
606.86
657.19
717.77
793.97
846.61
998.12
1,067.41
1,132.74
- -
1,166.98
Book Value per Share
453.65
471.07
517.45
552.75
654.87
752.53
753.68
848.63
982.31
1,067
1,127.84
1,213.58
1,259.73
- -
1,316.75
Tangible Book Value per Share
4,090
4,090
4,090
4,090
4,090
4,090
4,090
4,090
4,074
4,027
4,027
4,027
4,029
- -
4,029
Basic Weighted Avg Shares
591,710
615,965
638,245
684,921
731,313
804,539
754,504
770,106
939,883
1,038,738
1,111,556
1,045,517
1,008,950
989,809
1,000,767
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
14,115
15,860
17,731
17,033
18,401
22,292
22,465
22,356
23,226
21,185
27,085
33,254
36,946
52,011
41,637
Depreciation Expense
270,866
308,299
236,938
240,772
179,261
264,241
265,863
247,574
325,932
519,580
523,104
417,136
403,389
319,984
378,378
Net Income, GAAP
24.93
24.91
25.01
25.33
25.27
25.27
25.22
25.15
22.39
21.93
21.98
22.05
22.61
21.87
22.66
Effective Tax Rate (%)
45.78
50.05
37.12
35.15
24.51
32.84
35.24
32.15
34.68
50.02
47.06
39.9
39.98
32.33
37.81
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
9,300
- -
- -
- -
- -
- -
- -
- -
141,192
- -
- -
- -
- -
LT Debt
1,859,127
1,930,963
2,120,444
2,263,834
2,681,774
3,082,638
3,088,013
3,480,469
4,009,263
4,302,446
4,552,298
4,903,654
5,088,347
5,450,778
5,325,399
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
18.61
12.58
11.73
8.1
11.1
10.28
8.8
10.56
15.64
14.08
10.03
9.1
6.87
8.38
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,027
4,027
4,029
Market Capitalization
7,772,243
7,836,647
8,645,494

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,078,109
872,567
763,323
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.32%
6.35%
7.12%
Free Cash Flow
-13.71%
-28.03%
-179.45%
Net Income, GAAP
6.31%
3.17%
-20.68%
Sales/Revenue/Turnover
4.09%
1.24%
-1.9%
Total Cash Common Dividend
- -
- -
-0.01%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
250,276
246,718
258,586
253,371
1,008,950
2025
244,815
243,995
250,096
- -
989,809
2026
238,527
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21.44
- -
- -
- -
100.12
2025
15.67
- -
- -
- -
- -
2026
14.38
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
34.25
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PT Bank Mestika Dharma Tbk is an Indonesian regional bank primarily engaged in providing comprehensive banking products and services. Its product portfolio includes saving accounts, current accounts, time deposits, multi-purpose loans, home loans, car loans, land loans, trade finance, working capital loans, and investment credit services. Additionally, the bank offers digital banking services such as mobile banking, internet banking for individual and corporate clients, SMS banking, and virtual accounts. Supplementary services include ATM cards, safe deposit boxes, export and import financing, money changer services, telegraphic transfers, foreign exchange transactions, tax payment facilities, autodebit facilities, and bancassurance products under various protection plans. Bank Mestika operates predominantly in Indonesia, with its headquarters in Medan. Founded in 1955, the bank functions as a subsidiary of PT Mestika Benua Mas. Recent major developments include the bank's active share buyback program, having repurchased 63.02 million shares by mid-2025. The bank has also established strategic cooperation with companies such as Paramount Enterprise, aiming to expand its business ecosystem. Operational expansions include the addition of new branch offices reflecting increased service capacity, and ongoing efforts in customer education and community engagement programs. The bank’s 2025 financial and governance reports underscore strategic shifts emphasizing digital transformation, portfolio diversification, and strengthening capital through internal growth and market activities. These initiatives reflect Bank Mestika’s drive to enhance its competitive position in the Indonesian banking sector while expanding digital and insurance offerings to meet evolving customer needs.