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    Financial Services

  3. •

    Banks - Regional
PT Bank Ganesha Tbk

PT Bank Ganesha Tbk

BGTG.JK
PT Bank Ganesha TbkID flagIndonesia Stock Exchange
109.00
IDR
- -
- -
2.61TMarket Cap
PT Bank Ganesha Tbk
BGTG.JK
(Indonesia Stock Exchange)

Recent

price

109.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.66
8.4
9.73
20.64
21.27
21.67
19.57
18.71
19.1
22.46
24.25
22.53
21.28
22.69
Revenue per Share
1.2
0.26
0.47
4.46
4.38
0.48
1.01
0.27
0.93
2.83
5.02
8.41
9.47
10.38
Basic EPS, GAAP
-1.89
15.06
-15.56
-43.23
7.07
-3.41
27.9
84.55
146.35
-69.72
-53
44.49
-19.59
-19.35
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
17.72
17.98
18.44
116.14
91.73
92.41
93.42
93.14
93.81
102.82
122.58
114.39
123.86
118.87
Book Value per Share
17.61
17.59
18.01
121.52
95.73
96.17
97.27
97.23
183.75
192.41
155.99
143.28
153.49
148.36
Tangible Book Value per Share
11,683
11,683
11,683
8,787
11,683
11,683
11,683
11,683
11,683
16,252
20,724
23,971
23,971
23,971
Basic Weighted Avg Shares
112,908
98,182
113,719
181,407
248,482
253,126
228,648
218,587
223,189
364,943
502,559
540,040
510,164
543,925
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4,063
3,881
4,373
3,959
5,172
5,920
6,464
14,931
16,705
14,118
15,412
15,309
15,976
15,225
Depreciation Expense
14,054
2,992
5,451
39,193
51,140
5,600
11,841
3,198
10,866
46,043
103,965
201,714
227,098
248,897
Net Income, GAAP
25.62
27.62
26.3
25.52
24.6
24.46
18.48
36.07
25.83
19.82
19.27
20.8
21.85
21.74
Effective Tax Rate (%)
12.45
3.05
4.79
21.61
20.58
2.21
5.18
1.46
4.87
12.62
20.69
37.35
44.51
45.76
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
37,167
30,369
24,279
20,989
11,439
6,333
8,149
LT Debt
205,753
205,523
210,462
1,067,856
1,118,360
1,126,199
1,140,000
1,139,125
2,148,889
3,138,762
3,244,202
3,445,281
3,689,277
3,566,531
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.43
2.56
6.34
4.89
0.52
1.09
0.29
0.99
3.33
4.94
7.64
7.95
9.16
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
23,971
23,971
23,971
Market Capitalization
1,821,796
1,845,767
1,845,767

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,434,949
1,962,863
1,470,996
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
56.53%
30.27%
7.08%
Free Cash Flow
-131.22%
-87.47%
-144.04%
Net Income, GAAP
139.48%
159.18%
12.58%
Sales/Revenue/Turnover
18.96%
21.05%
-5.53%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
126,293
124,942
149,164
135,717
540,040
2025
142,986
116,058
125,919
- -
510,164
2026
113,887
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.14
- -
- -
- -
8.41
2025
2.24
- -
- -
- -
9.47
2026
2.42
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PT Bank Ganesha Tbk is an Indonesia-based commercial bank founded in 1990 and headquartered in Jakarta. The bank offers a comprehensive range of banking products and services to individuals, small and medium enterprises (SMEs), and corporate clients primarily in Indonesia. Its core product offerings include savings accounts, such as Ganesha Savings, Ganesha Optima Savings, and TabunganKu; current accounts like Giro Ganesha Active; time deposits; working capital loans; investment loans; and ancillary services such as safe deposit boxes and export/import financing. In addition, Bank Ganesha provides debit cards, e-statements, foreign exchange services, remittances, BI-fast payment services, ATM and CRM networks, tax payments, mutual funds, government bonds (SBN), mobile and internet banking, electronic wallets, and bancassurance products. In recent strategic developments within the last two years, PT Bank Ganesha has expanded its fintech partnerships to support loan financing, enhancing credit accessibility for its clients. Notably, in October 2025, the bank formed a strategic alliance with KSP Daya Inspirasi Bangsa to provide inclusive financial services aimed at Indonesian migrant workers, optimizing financing solutions for this segment. The bank also actively supports micro, small, and medium enterprises (MSMEs) as part of its sustainable finance initiatives and continues to strengthen its digital banking capabilities and product portfolio to accommodate evolving market demands. PT Bank Ganesha operates primarily across Indonesia, targeting retail customers, SMEs, cooperatives, and corporate clients. The bank's business segments include its banking operations serving individual and corporate clients, a treasury segment handling related financial transactions, and transactional services with other banks. The bank employs over 270 personnel and maintains a focus on regional banking services aimed at fostering economic development and financial inclusion within Indonesia. This detailed operational and strategic positioning illustrates PT Bank Ganesha Tbk as a dynamic and growing regional bank with a diversified product base and proactive recent expansions in partnerships and digital service offerings, reinforcing its presence in Indonesia's competitive banking sector.