1. Indonesia Stocks

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    Financial Services

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    Banks - Regional
PT Bank Rakyat Indonesia (Persero) Tbk

PT Bank Rakyat Indonesia (Persero) Tbk

BKRKF
PT Bank Rakyat Indonesia (Persero) TbkUS flagOther OTC
0.16
USD
- -
- -
24.09BMarket Cap
PT Bank Rakyat Indonesia (Persero) Tbk
BKRKF
(Other OTC)

Recent

price

0.16

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
310.56
323.1
349.46
414.55
482.55
558.66
639.33
716.04
784.01
850.99
1,012.87
1,132.17
1,015.83
1,103.21
1,147.7
1,240.86
1,176.52
Revenue per Share
95.67
125.78
151.45
173.04
196.32
206.09
214.35
236.93
264.66
280.97
152.2
237.96
338.01
398.33
397.69
376.17
376.21
Basic EPS, GAAP
448.85
125.65
-27.9
19.87
589.87
343.08
151.36
302.82
454.3
334.23
207.48
186.39
574.48
-87.15
92.54
54.93
734.44
Free Cash Flow per Basic Share
20.13
22.96
29.35
45.05
51.48
59.02
62.27
85.66
106.75
132.22
168.27
92.88
174.43
288.27
319.12
344.49
343.4
Dividend per Share
211.11
316.27
428.35
534.29
643.12
769.11
1,049.57
1,200.89
1,360.26
1,507.93
1,387.97
1,452.01
1,358.94
1,447.61
1,476.69
1,508.73
1,446.63
Book Value per Share
303.79
413.07
523.44
641.41
787.06
908.97
1,076.38
1,240.93
1,374.17
1,534
1,630.35
2,005.11
1,783.44
1,879.24
1,926.99
1,968.97
1,916.15
Tangible Book Value per Share
119,914
119,914
123,346
123,346
123,346
123,239
122,387
122,387
122,237
122,335
122,565
130,553
151,386
150,881
150,734
150,602
150,655
Basic Weighted Avg Shares
37,240,111
38,744,148
43,104,711
51,133,344
59,520,408
68,848,958
78,246,299
87,633,580
95,834,607
104,105,291
124,141,782
147,808,205
153,783,233
166,453,016
172,996,429
186,876,558
177,247,769
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
302,730
322,757
417,396
678,285
919,140
1,094,222
1,227,754
1,582,751
1,865,317
1,733,629
3,199,102
2,759,154
3,614,805
3,726,291
5,843,344
5,869,384
6,112,576
Depreciation Expense
11,472,385
15,082,939
18,680,884
21,344,130
24,214,911
25,397,742
26,234,256
28,997,141
32,351,133
34,372,609
18,654,753
31,066,592
51,170,312
60,099,863
59,944,649
56,652,384
56,678,039
Net Income, GAAP
23.05
19.56
21.68
23.49
21.35
21.8
22.8
21.55
22.36
20.64
29.85
19.11
20.42
20.94
21.94
21.51
22.56
Effective Tax Rate (%)
30.81
38.93
43.34
41.74
40.68
36.89
33.53
33.09
33.76
33.02
15.03
21.02
33.27
36.11
34.65
30.32
31.98
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
11,610,726
15,234,204
13,005,317
17,205,070
33,322,434
46,029,707
60,794,774
61,014,802
73,092,632
70,979,712
131,754,612
124,393,750
143,484,949
148,985,077
161,521,414
171,647,601
174,751,688
LT Debt
36,673,110
49,820,329
64,881,779
79,574,306
97,705,834
113,127,179
147,534,097
168,007,778
185,275,331
208,784,336
229,466,882
291,786,804
303,395,317
316,858,895
323,315,016
330,941,434
322,072,263
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
46.53
47.7
41.17
35.95
33.35
29.17
23.5
21.06
20.66
19.6
10.52
17.27
25.89
28.34
27.19
25.19
26.33
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
150,649
150,657
151,559
Market Capitalization
567,897,823
627,728,476
551,591,086

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
198,281,371
252,388,717
206,997,188
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
11.71%
8%
2.36%
Free Cash Flow
-7.93%
-21.76%
-40.69%
Net Income, GAAP
12.88%
28.59%
-5.49%
Sales/Revenue/Turnover
10.62%
8.66%
8.02%
Total Cash Common Dividend
27.8%
31.95%
7.86%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
44,760,143
41,885,214
44,621,531
43,079,500
172,996,429
2025
44,772,217
44,774,521
50,553,249
- -
186,876,558
2026
49,615,870
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
105.35
- -
- -
- -
397.69
2025
90.42
- -
- -
- -
376.17
2026
102.89
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
319
- -
- -
- -
319.12
2025
134.99
- -
- -
- -
344.49
2026
137.02
- -
- -
- -
- -
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Business
PT Bank Rakyat Indonesia (Persero) Tbk (BRI) operates as Indonesia's largest bank by assets and a leading provider of commercial banking services, with a primary focus on microfinance, small-scale lending, and financial inclusion for micro, ultra-micro, small, and medium-sized enterprises (MSMEs). The bank offers a comprehensive range of products and services, including micro and ultra-micro loans such as PNM Mekaar group lending and BRI Micro/Ultra Micro loans; retail savings accounts, consumer loans, and commercial banking for small and medium enterprises; corporate banking with treasury, international trade finance, and capital market support; digital banking platforms like mobile banking and BRImo app; beyond-banking offerings such as micro insurance, gold savings and investment, and remittances; and Sharia-compliant products through subsidiaries. Its subsidiary businesses encompass conventional banking, financing, life and general insurance via BRI Life and BRI Insurance, venture capital through BRI Ventures, securities brokerage with Danareksa Sekuritas, and remittance services via BRI Remittance, alongside key subsidiaries like PT Bank BRI Syariah, PT BRI Agroniaga, and integrations within the Ultra Micro Holding with Pegadaian and PNM. Founded on December 16, 1895, in Purwokerto, Central Java, by Raden Aria Wiriaatmadja as a savings and credit institution for local civil servants, BRI is headquartered in Jakarta, Indonesia, at Jl. Jenderal Sudirman Kav. 44-46, and maintains an extensive domestic network of over 8,600 branches, units, rural service posts, and 13,000 ATMs, supplemented by international offices in New York, Singapore, Hong Kong, Cayman Islands, Taipei, and Timor Leste. BRI, majority-owned by the Indonesian government at approximately 53-56%, serves over 150 million customers, predominantly in underserved rural and remote areas across Indonesia's 17,000 islands, while expanding corporate and digital segments to support national economic growth and MSME empowerment. In recent developments, BRI partnered with Nium in October 2024 to launch real-time cross-border payment services for individual and corporate clients, enhancing global transaction capabilities amid projected 15% annual growth in Indonesia's cross-border payments through 2025. The bank reported Q3 2025 results showing 8.2% year-over-year asset growth to IDR 2,123 trillion, strategic diversification into consumer loans (up 9.7%), corporate lending (up 16%), and gold savings (3.6 tonnes with 2.9 million active customers), alongside Ultra Micro ecosystem expansions via Pegadaian (29.4% loan growth) and ongoing digital transformation initiatives. BRI continues to strengthen its hybrid banking model, risk management, and sustainability efforts, including the BRI Menanam tree-planting program and DEI-focused talent programs like BRILiaN Young Leader Indonesia.

Company News

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  • seekingalpha.com

    PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) Q1 2026 Earnings Call Transcript