1. Indonesia Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
PT Bank Negara Indonesia (Persero) Tbk

PT Bank Negara Indonesia (Persero) Tbk

BBNI.JK
PT Bank Negara Indonesia (Persero) TbkID flagIndonesia Stock Exchange
3,420.00
IDR
- -
- -
127.56TMarket Cap
PT Bank Negara Indonesia (Persero) Tbk
BBNI.JK
(Indonesia Stock Exchange)

Recent

price

3,420.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
608.01
511.74
586.28
706.79
801.46
903.9
1,073.84
1,153.25
1,254.07
1,331.4
1,354.82
1,412.08
1,518.61
1,513.54
1,511.08
1,552.66
1,589.35
Revenue per Share
132.83
156.2
188.92
242.76
289.1
243.42
305
365.08
402.58
412.48
88.03
292.65
491.25
561.23
575.59
537.32
410.21
Basic EPS, GAAP
-478.75
393.22
155.89
-227.51
-53
572.78
371.94
850.72
-166.75
-387.77
1,958.44
2,567.88
469.77
215.74
-1,778.63
2,686.18
3,035.64
Free Cash Flow per Basic Share
31.36
37.39
37.49
56.68
72.83
72.37
60.98
106.4
127.78
100.64
103.21
22.02
73.09
196.6
280.36
374.06
- -
Dividend per Share
531.58
537.68
657.85
815.6
1,003.96
1,130.52
1,535.24
1,785.38
2,073.16
2,379.26
1,965.86
2,269.76
2,691.66
3,035.48
3,339.26
3,489.02
3,308.37
Book Value per Share
1,073.13
1,014.63
1,166.98
1,278.47
1,636.08
2,105.88
2,400.82
2,705.38
2,959.3
3,351.55
3,028.93
3,397.39
3,740.81
4,112.51
4,446.39
4,708.04
4,428.44
Tangible Book Value per Share
30,890
37,297
37,297
37,297
37,297
37,247
37,176
37,297
37,297
37,297
37,265
37,240
37,277
37,257
37,290
37,297
37,297
Basic Weighted Avg Shares
18,781,770
19,086,445
21,866,622
26,361,493
29,892,224
33,667,770
39,921,362
43,013,101
46,773,619
49,657,486
50,487,073
52,586,182
56,608,758
56,389,769
56,347,695
57,909,918
59,278,587
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
457,960
518,329
641,916
652,257
783,311
939,527
1,059,791
1,201,294
1,386,498
2,576,716
2,006,916
2,250,499
2,304,524
2,416,792
2,619,359
2,050,627
Depreciation Expense
4,103,198
5,825,904
7,046,145
9,054,345
10,782,628
9,066,581
11,338,748
13,616,476
15,015,118
15,384,476
3,280,403
10,898,518
18,312,054
20,909,476
21,463,599
20,040,703
15,299,900
Net Income, GAAP
25.2
22.16
20.8
19.69
19.93
20.28
20.22
19.78
23.86
19.93
35.03
12.54
18.53
17.68
18.44
17.57
17.82
Effective Tax Rate (%)
21.85
30.52
32.22
34.35
36.07
26.93
28.4
31.66
32.1
30.98
6.5
20.73
32.35
37.08
38.09
34.61
25.81
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,750,677
4,519,968
8,738,372
9,398,007
14,893,296
28,710,985
35,375,821
40,894,618
40,929,944
44,022,462
43,596,843
49,212,649
52,843,998
52,771,696
70,437,777
70,560,775
63,538,592
LT Debt
33,149,525
37,843,024
43,525,291
47,683,505
61,021,308
78,438,222
89,254,000
100,903,304
110,373,789
125,003,948
112,872,199
126,519,977
140,197,662
153,963,246
166,548,007
176,339,368
165,910,858
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
26.46
31.95
31.6
32.95
31.78
22.79
22.86
22.02
20.87
18.53
4.05
13.81
19.81
19.59
18.07
15.74
12.07
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
37,257
37,257
Market Capitalization
152,918,983
162,989,257
140,237,897

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
153,459,388
201,962,505
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
8.65%
9.35%
5.88%
Free Cash Flow
-177.84%
-256.2%
-251.06%
Net Income, GAAP
28.96%
62.09%
-6.63%
Sales/Revenue/Turnover
5.7%
2.82%
2.77%
Total Cash Common Dividend
45.91%
79.71%
33.45%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13,307,104
13,536,656
14,353,732
15,769,447
56,347,695
2025
13,583,062
13,392,112
14,560,550
16,176,982
57,909,918
2026
15,148,943
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
142.93
- -
- -
- -
575.59
2025
144.26
- -
- -
- -
537.32
2026
151.77
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
280.36
2025
- -
- -
- -
- -
374.06
2026
- -
- -
- -
- -
- -
Similar Companies
Intercorp Financial Services Inc. (IFS)
Société Générale S.A. (SCGLF)
Grupo Financiero Banorte, S.A.B. de C.V. (GBOOY)
Mediobanca Banca di Credito Finanziario S.p.A. (MDIBF)
Sparebanken Vest (0G67.L)
Banco del Bajío, S.A., Institución de Banca Múltiple (BBAJF)
Business
PT Bank Negara Indonesia (Persero) Tbk (BBNI.JK) operates as a major state-owned commercial bank in Indonesia, providing a comprehensive range of banking and financial services to corporate, commercial, small and medium enterprise, and retail customers. The bank offers deposit products including savings accounts, time deposits, and current accounts; lending services such as working capital loans, investment loans, consumer financing, mortgages, and syndicated loans; electronic banking channels encompassing mobile banking, internet banking, ATM networks, and payment systems; treasury services like foreign exchange, money market operations, and derivatives; trade finance including letters of credit, guarantees, and export-import financing; wealth management and investment products comprising mutual funds, bonds, and insurance-linked services; as well as Islamic banking (syariah) products under its BNI Syariah division. BNI maintains an extensive domestic branch network across all 38 provinces of Indonesia, with international operations in countries including Singapore, Hong Kong, the United States, the United Kingdom, China, Japan, South Korea, Australia, India, Vietnam, Timor Leste, and the Middle East, primarily serving the Indonesian diaspora and trade corridors. Founded in 1946 and headquartered in Jakarta, Indonesia, the bank functions as a subsidiary of the Indonesian government through PT Danareksa (Persero), with no major subsidiaries outside its syariah unit and overseas representative offices. In the last two years, BNI has pursued strategic expansions including a deepened partnership with the Ministry of State-Owned Enterprises for digital transformation initiatives, launched enhanced QRIS-based payment ecosystems and blockchain-enabled trade finance platforms in 2024, completed the integration of BNI Syariah operations to bolster Islamic banking assets exceeding IDR 70 trillion by mid-2025, secured a landmark syndicated loan facility for green financing projects totaling IDR 5 trillion in late 2024, and expanded its global remittance corridors with new alliances in the Middle East and Europe to support expatriate workers amid Indonesia's economic growth.