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    Banks - Regional
PT Bank CIMB Niaga Tbk

PT Bank CIMB Niaga Tbk

BNGA.JK
PT Bank CIMB Niaga TbkID flagIndonesia Stock Exchange
1,590.00
IDR
-25.00
- -
39.97TMarket Cap
PT Bank CIMB Niaga Tbk
BNGA.JK
(Indonesia Stock Exchange)

Recent

price

1,590.00

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
371
413.57
513.97
538.11
527.79
546.41
603.73
627.65
635.26
674.93
650.27
711.06
756.9
751.85
753.74
773.17
750.15
Revenue per Share
106.46
126.77
168.44
170.4
93.21
17.02
82.83
118.56
139.67
146.21
80.72
164.48
202.21
259.45
271.59
273.53
273.5
Basic EPS, GAAP
348.78
-194.87
368.44
152.84
-110.17
216.86
100.44
782.43
-68.45
44.77
1,110.07
1,164.23
-688.78
-100.2
289.17
131.32
70.05
Free Cash Flow per Basic Share
- -
7.98
- -
- -
- -
- -
- -
- -
23.88
27.94
55.84
44.07
94.08
115.09
123.59
157.29
- -
Dividend per Share
315.56
422.81
589.7
760.1
853.31
870.34
950.58
1,062.42
1,193.33
1,311.84
1,170.76
1,294.91
1,400.71
1,543.03
1,680.29
1,800.1
1,661.91
Book Value per Share
578.26
733.62
892.55
1,018.88
1,104.59
1,087.91
1,302.16
1,409.92
1,523.49
1,668.21
1,575.97
1,658.9
1,732.63
1,894.01
2,035.3
2,232.62
2,060.57
Tangible Book Value per Share
23,935
25,040
25,132
25,132
25,132
25,132
25,132
25,115
24,932
24,931
24,929
24,929
24,933
24,954
25,132
25,140
25,133
Basic Weighted Avg Shares
8,879,817
10,355,579
12,916,898
13,523,599
13,264,209
13,732,219
15,172,742
15,763,689
15,838,557
16,826,723
16,210,736
17,726,132
18,871,819
18,761,469
18,943,294
19,437,525
18,853,713
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
18.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
593,424
559,044
642,803
645,000
751,443
901,591
964,225
915,643
964,204
1,072,556
1,187,427
1,401,163
1,544,109
1,407,592
1,490,364
1,405,159
1,465,374
Depreciation Expense
2,548,153
3,174,145
4,233,111
4,282,417
2,342,431
427,831
2,081,687
2,977,675
3,482,304
3,645,154
2,012,401
4,100,340
5,041,781
6,474,195
6,825,773
6,876,537
6,873,959
Net Income, GAAP
24.4
27.66
26.56
26.34
26.76
24.93
26.98
28.33
28.21
26.46
31.76
21.05
22.53
21.61
20.96
21.42
20.58
Effective Tax Rate (%)
28.7
30.65
32.77
31.67
17.66
3.12
13.72
18.89
21.99
21.66
12.41
23.13
26.72
34.51
36.03
35.38
36.46
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,393,820
9,509,806
13,338,531
17,530,410
17,588,402
16,433,325
13,048,343
16,415,108
10,523,090
11,971,300
9,212,325
9,723,683
6,704,803
8,831,174
12,824,372
12,416,823
11,476,576
LT Debt
13,840,500
18,369,491
22,651,912
25,886,687
28,447,694
28,679,387
34,207,622
36,950,996
39,580,579
43,294,166
41,053,051
43,388,358
45,276,263
49,337,371
53,196,327
58,157,183
53,794,787
Total Equity
- -
- -
- -
- -
- -
- -
4.33
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
39.89
35
33.32
25.25
11.55
1.98
9.1
11.78
12.34
11.67
6.5
13.34
15
17.63
16.91
15.72
17.06
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
25,138
25,138
25,140
Market Capitalization
43,451,046
42,600,992
41,846,992

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
21,282,545
25,511,895
25,119,705
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
7.48%
7.23%
9.33%
Free Cash Flow
204.53%
-136.99%
-54.57%
Net Income, GAAP
56.77%
32.26%
0.74%
Sales/Revenue/Turnover
3.62%
3.76%
2.61%
Total Cash Common Dividend
- -
30.06%
27.31%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,802,205
4,785,107
4,800,243
4,555,739
18,943,294
2025
4,742,707
4,755,024
4,675,669
- -
19,437,525
2026
5,056,866
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
66.96
- -
68.7
- -
271.59
2025
71.8
- -
- -
- -
273.53
2026
70.2
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
123.59
2025
- -
- -
- -
- -
157.29
2026
- -
- -
- -
- -
- -
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Business
PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk provides comprehensive commercial banking services in Indonesia across consumer banking, small and medium enterprise (SME) banking, commercial banking, and corporate banking segments; offers deposit products including savings accounts, current accounts, time deposits, certificates of deposit, Sharia savings, and payroll savings; extends credit facilities such as personal loans, mortgages, auto loans, credit cards, debit cards, and working capital financing; delivers transaction banking solutions encompassing cash management, remittances, trade finance, and value chain products; provides treasury, capital market services, and Sharia-compliant products through its dedicated Sharia Business Unit; and supports digital banking via platforms like OCTO Mobile, OCTO Clicks, BizChannel@CIMB, OCTO Pay, Digital Lounge, and QRIS. The bank, founded in 1955 and headquartered at Graha CIMB Niaga in Jakarta, Indonesia, operates a nationwide network of over 400 branches including Sharia branches, Digital Lounges, Cash Mobile units, and kiosks, more than 2,200 ATMs, Cash Recycle Machines, and approximately 11,000 employees, positioning it as Indonesia's second-largest private bank by total assets and the leader in Sharia Business Unit network coverage. Majority-owned by CIMB Group Sdn. Bhd. with 92.5% stake, it leverages regional ASEAN connectivity for cross-border operations. In recent developments, its subsidiary PT CIMB Niaga Finance records new financing of IDR 9.96 trillion in 2024, up 11.4% year-over-year, with total assets reaching IDR 10.53 trillion and profit before tax growing 12% to IDR 583 billion, while maintaining a low non-performing financing ratio of 1.03%; the subsidiary advances digitalization through the CNAF Mobile App, SCMS sales management system, and CNAF Partner Mobile platform for 2025 growth targeting IDR 9.5 trillion in new financing. CIMB Niaga also establishes partnerships, such as with PT Aprisma BizChannel Indonesia for integrated transaction solutions targeting customer expansion.