PT Bank MNC Internasional Tbk

PT Bank MNC Internasional Tbk

IIDX:BABP
26.00
IDR
0.00
(0.00%)
1.84EPS
27.13P/E
2.22TMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
60.98
31.83
25.92
22.86
22.12
25.31
24.68
21.86
21.62
28.13
25.2
16.32
17.01
16.96
Basic EPS, GAAP
-13.48
-5.91
0.61
0.51
-33.19
2.66
0.88
0.41
0.49
1.87
2.63
1.85
1.84
1.84
Free Cash Flow per Basic Share
35.81
1.28
74.1
-8.57
-97.86
-1.69
-35.22
35.92
20.91
24.7
-14.04
26.63
-1.88
-28.68
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
126.02
82.04
89.3
90.39
58.91
65.64
61.56
61.23
81.24
85.01
106.24
82.35
84.36
85.27
Tangible Book Value per Share
124.3
81.37
88.73
89.45
57.76
64.51
60.73
60.47
80.73
84.48
105.66
81.97
83.93
84.76
Basic Weighted Avg Shares
6,062
9,230
13,512
18,383
20,645
21,455
23,176
25,333
26,254
28,071
29,618
40,399
44,459
44,459
Sales/Revenue/Turnover
369,642
293,784
350,226
420,198
456,722
542,953
571,945
553,823
567,531
789,513
746,242
659,205
756,063
753,910
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
30,060
16,018
13,489
17,064
21,319
24,060
27,603
28,470
23,461
22,329
26,141
40,516
42,084
42,910
Net Income, GAAP
-81,740
-54,556
8,178
9,349
-685,193
57,021
20,433
10,414
12,868
52,505
77,916
74,850
81,775
81,936
Effective Tax Rate (%)
- -
- -
26.9
28.82
- -
28.19
32.65
34.72
42.93
65.92
35.84
20.2
21.13
21.54
Profit Margin (%)
-22.11
-18.57
2.34
2.22
-150.02
10.5
3.57
1.88
2.27
6.65
10.44
11.35
10.82
10.87
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
16,370
441
- -
115,000
- -
- -
- -
952
867
- -
- -
- -
- -
- -
Total Equity
763,878
1,233,215
1,708,204
1,860,405
1,252,548
1,429,990
1,559,450
1,551,237
2,365,457
2,712,334
3,587,434
3,661,120
3,750,632
3,790,803
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
0.56
0.51
- -
4.25
1.37
0.67
0.66
2.07
2.47
2.07
2.21
2.19
Return on Common Equity (%)
-11.06
-5.46
0.56
0.52
-44.02
4.25
1.37
0.67
0.66
2.07
2.47
2.07
2.21
2.19

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
44,459
44,459
44,459
Market Capitalization
2,445,245
2,267,409
2,222,950

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,516,844
2,371,576
1,953,443
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.28%
20.78%
2.44%
Free Cash Flow
227.45%
-127.96%
-107.78%
Net Income, GAAP
-725.1%
77.06%
9.25%
Sales/Revenue/Turnover
8.89%
7.83%
14.69%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
161,743
162,848
163,697
170,917
659,205
2025
179,427
186,113
183,512
207,011
756,063
2026
175,664
187,723
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.46
0.33
0.45
0.57
1.85
2025
0.49
0.49
0.42
0.48
1.84
2026
0.41
0.53
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Rita Montagna Siahaan
Full Time Employees
1,014
Sector
Finance
Industry
Regional banks
Address
MNC Bank Tower Jakarta JK Indonesia 10340
IPO Date
Jul 15, 2002
Business
PT Bank MNC Internasional Tbk (BABP.JK), known as MNC Bank, operates as an Indonesia-based commercial bank and foreign exchange bank providing integrated banking products and services to corporate and individual customers through its Business, Consumer, Treasury, and Other segments. The bank offers deposit products including demand deposits, savings accounts such as MNC Savings, Motion Savings, Pensiun Motion Savings, and MNC Junior Savings, current accounts like Giro MNC Rupiah, time deposits, and certificates of deposit; loan products encompassing working capital loans, investment loans, property ownership loans, property-backed consumption loans, multipurpose unsecured loans, multifinance loans, housing loans, vehicle loans, and credit cards; and additional services such as money market operations, foreign exchange trading, treasury products including retail bonds, trade finance for exports, imports, and local transactions, bancassurance, debit and credit cards, online and mobile banking via the MotionBank app, and ATM services. Founded in 1989 and headquartered at Gedung MNC Bank Tower, 8th Floor, Jl. Kebon Sirih No. 21-27, Central Jakarta, Indonesia, the bank maintains a nationwide network of branches, sub-branches, cash offices, and ATMs primarily serving the Indonesian market. A subsidiary of PT MNC Kapital Indonesia Tbk, which serves as its controlling shareholder, PT Bank MNC Internasional Tbk focuses on corporate clients in wholesale business, consumer lending, small and medium enterprises, and treasury activities, with operations concentrated in Indonesia. In recent developments, PT MNC Kapital Indonesia Tbk increased its stake in the bank by acquiring an additional 9.99% (4.445 billion shares) on August 22, 2025, raising its direct ownership to 49.803% to strengthen capital participation. The bank reported robust financial performance in Q3 2025, with net profit growing 22.09% year-on-year to Rp60.39 billion, total assets expanding 6.17% to Rp20.50 trillion, and credit disbursements rising 2.21% to Rp11.09 trillion, driven by wholesale (Rp7.48 trillion), consumer (Rp1.60 trillion), multifinance (Rp1.57 trillion), and SME segments. Strategically, MNC Bank expanded partnerships including a collaboration with CAR Life Insurance, fintech PT Venteny Fortuna International Tbk for promoting Tabungan Motion and Earn Wage Access services, Bank Sumsel Babel for call money, foreign exchange, repo transactions, credit card white-labeling, and loan syndications, as well as integration into the Jalin "Link" network for financial inclusion; its parent PT MNC Kapital Indonesia Tbk also signed an MoU with PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk for digital payment and banking solutions. These initiatives support diversified revenue streams through treasury optimization, transactional banking, and digital expansion, while maintaining strong capital adequacy ratio of 24.50% and improved gross NPL ratio to 4.00%. The bank continues to prioritize prudent risk management and liquidity growth amid national banking challenges.