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PT Bank Syariah Indonesia Tbk

PT Bank Syariah Indonesia Tbk

BRIS.JK
PT Bank Syariah Indonesia TbkID flagIndonesia Stock Exchange
1,730.00
IDR
-5.00
- -
79.80TMarket Cap
PT Bank Syariah Indonesia Tbk
BRIS.JK
(Indonesia Stock Exchange)

Recent

price

1,730.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
100.95
145.49
164.95
170.22
442.66
423.76
437.52
265.95
269.32
347.14
384.56
428.03
405.8
458.99
521.23
542.15
Revenue per Share
1.73
15.12
19.23
0.42
35.44
41.94
24.91
12.5
7.43
52.2
73.69
102.54
123.65
151.88
164.05
131.39
Basic EPS, GAAP
47.96
77.19
-55.05
180.37
707.26
155.47
968.04
68.35
-22.24
264.7
387.12
-3.76
4.84
59.44
242.96
-24.17
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
1.07
6.08
- -
18.22
9.24
18.55
22.78
- -
Dividend per Share
143.5
158.62
252.74
253.16
668.9
609.24
629.96
582.04
1,809.63
493.78
729.87
851.88
861.48
970.08
1,080.97
1,063.37
Book Value per Share
141.59
156.71
250.49
249.33
656.96
602.07
615.83
573.22
1,899.5
515
608.67
800.24
815.33
930.85
1,073.44
1,048.63
Tangible Book Value per Share
6,737
6,737
6,737
6,737
3,460
4,058
4,058
8,530
9,962
41,912
41,096
41,546
46,129
46,129
46,129
46,129
Basic Weighted Avg Shares
680,059
980,147
1,111,180
1,146,678
1,531,656
1,719,701
1,775,546
2,268,539
2,683,027
14,549,346
15,803,736
17,782,936
18,719,311
21,172,735
24,043,834
25,009,100
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
34,534
45,457
56,887
53,496
44,958
36,565
27,814
361,624
452,615
1,340,813
1,166,940
701,792
837,672
1,049,718
1,625,283
1,357,271
Depreciation Expense
11,654
101,888
129,564
2,822
122,637
170,209
101,091
106,600
74,016
2,187,649
3,028,205
4,260,182
5,703,743
7,005,888
7,567,523
6,061,127
Net Income, GAAP
30.22
26.2
29.56
72.81
27.46
28.67
33.03
29.64
36.67
28.96
25.45
24.68
24.84
24.53
24.41
24.35
Effective Tax Rate (%)
1.71
10.4
11.66
0.25
8.01
9.9
5.69
4.7
2.76
15.04
19.16
23.96
30.47
33.09
31.47
24.24
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
100,000
100,000
100,000
100,000
1,100,000
1,000,000
1,000,000
1,279,000
1,555,927
1,679,130
2,346,852
1,104,265
4,412,299
9,246,503
10,578,378
LT Debt
966,676
1,068,564
1,711,348
1,714,490
2,339,812
2,510,014
2,602,841
5,026,640
19,068,945
21,743,145
25,013,934
33,505,610
38,739,121
45,041,572
51,952,874
50,769,149
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
10.01
9.35
0.17
6.1
7.11
4.02
2.83
0.64
11.3
11.95
13.03
15.18
16.58
16
12.67
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
- -
46,129
46,129
Market Capitalization
119,474,784
102,868,250
97,332,739

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
64,936,622
62,326,078
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
49.37%
19.24%
15.34%
Free Cash Flow
-374.58%
227.42%
308.71%
Net Income, GAAP
297.25%
28.77%
8.02%
Sales/Revenue/Turnover
55.69%
10.62%
13.56%
Total Cash Common Dividend
- -
- -
22.83%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,934,168
5,035,525
5,321,452
5,881,590
21,172,735
2025
5,705,647
5,849,058
5,863,895
6,625,230
24,043,834
2026
6,670,917
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
37.01
- -
- -
- -
151.88
2025
40.73
- -
- -
- -
164.05
2026
47.69
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
18.55
2025
- -
- -
- -
- -
22.78
2026
- -
- -
- -
- -
- -
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Business
PT Bank Syariah Indonesia Tbk (BRIS.JK) operates as Indonesia's largest state-owned Islamic bank, offering Sharia-compliant commercial banking products and services including Mudarabah profit-sharing savings and deposits such as BSI Tabungan Easy Wadiah and BSI Tabungan Berencana; Murabahah cost-plus financing, Musharakah joint venture financing, and Ijarah leasing across consumer, corporate, commercial, SME, and treasury segments; BSI Griya home financing, BSI OTO vehicle financing, BSI Mitraguna multi-purpose financing, BSI Gadai Emas gold pawning, and Haji/Umrah savings; payment services via BSI Payment Point and BYOND by BSI digital platform; debit and credit cards like BSI Hasanah Card and BSI Debit Visa; and digital banking solutions through BSI Mobile for transactions, investments in gold and takaful insurance, bill payments, and QRIS. The bank serves retail customers, SMEs, corporates, and government entities with a nationwide network of 1,365 branches headquartered at The Tower Building, Jl. Gatot Subroto No. 27, South Jakarta, Indonesia; it was founded in 2021 through the merger of PT Bank BRIsyariah Tbk, PT Bank Syariah Mandiri, and PT Bank BNI Syariah, with major shareholders PT Bank Mandiri (Persero) Tbk at 50.83%, PT Bank Negara Indonesia (Persero) Tbk at 24.85%, and PT Bank Rakyat Indonesia (Persero) Tbk at 17.25%. BSI maintains operations primarily in Indonesia with expansion efforts including a representative office in Dubai International Financial Centre opened in January 2022 and plans for a branch in Saudi Arabia; it ranks as the world's largest Islamic bank by customer numbers as of June 2024. Recent developments include a September 2024 strategic partnership with Prudential plc to expand Sharia insurance distribution in ASEAN; receipt of IDR 10 trillion in government liquidity funding in September 2025 to support lending growth; double-digit financing expansion of 14.1% year-on-year as of June 2025 surpassing industry averages, driven by IDR 62.5 trillion in green financing and UMKM support through Q3 2025; enhancements to BYOND by BSI for integrated digital services like emas savings, umrah packages, and carbon emission monitoring; and new offerings such as BSI Deposito Wakaf Seri Masjid Darussalam and BSI Pensiun Berkah retirement products.