1. Indonesia Stocks

  2. •

    Finance

  3. •

    Regional banks
PT Krom Bank Indonesia Tbk

PT Krom Bank Indonesia Tbk

IIDX:BBSI
3,490.00
IDR
-80.00
(-2.24%)
76.62EPS
61.99P/E
17.45TMarket Cap
PT Krom Bank Indonesia Tbk
IDX:BBSI
(Indonesia Stock Exchange)

Recent

price

3,490.00

P/E

ratio

61.99

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
IDR
16.79
25.16
34.04
40.88
117.19
263.27
506.34
898.41
Revenue per Share
7.83
14.17
20.71
21.58
36.08
33.76
38.99
76.62
Basic EPS, GAAP
-15.15
-187.88
-324.76
-208.81
-38.83
124.9
27.17
253.49
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
176.37
309.24
653.71
926.85
869.55
903.48
942.21
970.24
Book Value per Share
118.57
258.8
652.95
926.1
865.45
891.49
919.29
949.54
Tangible Book Value per Share
2,843
2,483
3,173
3,467
3,675
3,675
3,675
3,675
Basic Weighted Avg Shares
47,731
62,481
107,999
141,734
430,646
967,448
1,860,649
3,301,412
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
992
1,324
2,002
2,582
2,972
8,874
19,439
35,291
Depreciation Expense
22,262
35,176
65,718
74,812
132,570
124,060
143,285
281,569
Net Income, GAAP
25.03
22.03
22.35
22.56
23.04
22.63
22.25
22.13
Effective Tax Rate (%)
46.64
56.3
60.85
52.78
30.78
12.82
7.7
8.53
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,912
4,390
4,274
- -
- -
1,815
8,665
6,871
LT Debt
501,440
1,008,983
2,074,044
3,065,341
3,195,369
3,320,040
3,462,348
3,565,372
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
4.64
4.25
2.91
4.23
3.81
4.22
8.12
Return on Capital (%)
- -
4.66
4.26
2.91
4.23
3.81
4.23
8.13
Return on Common Equity (%)

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
3,675
3,675
3,675
Market Capitalization
14,331,421
17,344,694
17,454,936

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
806,419
1,389,280
1,346,076
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
- -
33.16%
4.29%
Free Cash Flow
- -
-97.8%
-78.24%
Net Income, GAAP
- -
37.39%
15.5%
Sales/Revenue/Turnover
- -
104.98%
92.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
192,942
216,084
275,045
291,617
967,448
2025
333,041
734,099
- -
567,111
1,860,649
2026
647,643
1,352,559
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.67
10.05
11.43
4.61
33.76
2025
9.62
19.92
- -
4.68
38.99
2026
19.09
32.93
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Similar Companies
ICICI Bank Limited (NSE:ICICIBANK)
State Bank of India (NSE:SBIN)
Nu Holdings Ltd. (NYSE:NU)
Sberbank (MOEX:SBER)
Akbank T.A.S. (BIST:AKBNK)
PT Bank Rakyat Indonesia (Persero) Tbk Class B (IDX:BBRI)
Business
PT Krom Bank Indonesia Tbk delivers comprehensive digital banking solutions through its Krom application. The institution provides a suite of financial products, including flexible savings accounts with multiple allocation options, competitive time deposits, transaction accounts, and various credit facilities like cash loans and buy-now-pay-later services. Targeting Indonesia's younger demographics and the underbanked population, the bank emphasizes ease of use, attractive interest rates, and fee-free transactions. Established on March 16, 1957, the company has evolved into a digital-first entity, leveraging cloud technology to enhance its secure and agile service offerings, and is headquartered in Jakarta, Indonesia.