1. Indonesia Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
PT Krom Bank Indonesia Tbk

PT Krom Bank Indonesia Tbk

BBSI.JK
PT Krom Bank Indonesia TbkID flagIndonesia Stock Exchange
4,250.00
IDR
- -
- -
15.62TMarket Cap
PT Krom Bank Indonesia Tbk
BBSI.JK
(Indonesia Stock Exchange)

Recent

price

4,250.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
16.79
25.16
34.04
40.88
117.19
263.27
506.34
303.64
Revenue per Share
7.83
14.17
20.71
21.58
36.08
33.76
38.99
35.7
Basic EPS, GAAP
-15.15
-187.88
-324.76
-208.81
-38.83
124.9
27.17
188.31
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
114.19
169.15
156.38
171.17
205.57
242.77
281.76
252.39
Book Value per Share
118.57
340.07
652.95
883.42
865.45
891.49
919.29
902.32
Tangible Book Value per Share
2,843
2,483
3,173
3,467
3,675
3,675
3,675
3,675
Basic Weighted Avg Shares
47,731
62,481
107,999
141,734
430,646
967,448
1,860,649
1,115,788
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
992
1,324
2,002
2,582
2,972
8,874
19,439
10,853
Depreciation Expense
22,262
35,176
65,718
74,812
132,570
124,060
143,285
131,206
Net Income, GAAP
25.03
22.03
22.35
22.56
23.04
22.63
22.25
22.59
Effective Tax Rate (%)
46.64
56.3
60.85
52.78
30.78
12.82
7.7
11.76
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,912
4,390
4,274
- -
- -
1,815
8,665
1,405
LT Debt
501,440
1,008,983
2,074,044
3,065,341
3,195,369
3,320,040
3,462,348
3,358,121
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
9.45
14.35
13.73
19.66
15.06
14.87
15.3
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,675
3,675
3,675
Market Capitalization
15,691,068
15,433,838
14,735,640

Working Capital

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
345,521
672,426
823,377
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
- -
33.16%
4.29%
Free Cash Flow
- -
-97.8%
-78.24%
Net Income, GAAP
- -
37.39%
15.5%
Sales/Revenue/Turnover
- -
104.98%
92.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
192,942
216,084
275,045
291,617
967,448
2025
333,041
567,111
- -
- -
1,860,649
2026
647,643
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.67
- -
- -
- -
33.76
2025
9.62
- -
- -
- -
38.99
2026
19.09
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PT Krom Bank Indonesia Tbk delivers comprehensive digital banking solutions through its Krom application. The institution provides a suite of financial products, including flexible savings accounts with multiple allocation options, competitive time deposits, transaction accounts, and various credit facilities like cash loans and buy-now-pay-later services. Targeting Indonesia's younger demographics and the underbanked population, the bank emphasizes ease of use, attractive interest rates, and fee-free transactions. Established on March 16, 1957, the company has evolved into a digital-first entity, leveraging cloud technology to enhance its secure and agile service offerings, and is headquartered in Jakarta, Indonesia.