1. Indonesia Stocks

  2. •

    Finance

  3. •

    Major banks
PT Bank JTrust Indonesia Tbk

PT Bank JTrust Indonesia Tbk

IIDX:BCIC
112.00
IDR
+2.00
(+1.82%)
-21.36EPS
2.01TMarket Cap
PT Bank JTrust Indonesia Tbk
IDX:BCIC
(Indonesia Stock Exchange)

Recent

price

112.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
2.01
2.52
77.91
54.03
17.08
25.08
53.81
63.71
45.94
11.04
0.51
13.53
77.05
58.55
67.2
53.8
50.42
Revenue per Share
1.89
2.26
21.53
-167.99
-82.84
-78.27
-83.21
12.14
-40.06
4.94
-48.39
-42.15
5.47
1.54
0.16
-23.66
-21.36
Basic EPS, GAAP
5.34
-2.83
11.53
-113.95
97.77
-328.37
-31.18
-15.53
114.46
-13.16
-159.54
142.94
-12.51
129.98
-80.1
-93.87
-280.22
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
114.48
148.15
183.94
200.76
124.69
110.76
150.16
151.05
131.33
167.18
144.15
188.07
205.76
207.61
209.51
189.45
216.5
Book Value per Share
105.86
140.08
162.89
196.46
101.73
94.3
127.92
131.81
109.57
143.68
119.6
171.41
192.36
194.64
184.07
163.15
190.54
Tangible Book Value per Share
115,047
115,047
6,763
6,763
8,012
8,637
8,637
10,012
10,012
10,012
10,012
10,567
15,827
18,110
18,110
18,110
18,110
Basic Weighted Avg Shares
230,812
289,972
526,871
365,374
136,829
216,610
464,762
637,884
459,932
110,522
5,122
142,997
1,219,476
1,060,347
1,217,002
974,399
913,088
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
17,301
17,904
30,591
21,903
21,872
15,824
11,321
13,392
22,922
27,745
73,679
73,990
67,622
69,982
73,014
82,308
75,530
Depreciation Expense
217,963
260,445
145,595
-1,136,045
-663,747
-676,010
-718,722
121,534
-401,101
49,495
-484,441
-445,423
86,621
27,902
2,832
-428,429
-386,906
Net Income, GAAP
0.13
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
97.34
- -
- -
Effective Tax Rate (%)
94.43
89.82
27.63
-310.93
-485.09
-312.09
-154.64
19.05
-87.21
44.78
-9,458.04
-311.49
7.1
2.63
0.23
-43.97
-42.37
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
135,150
136,013
144,563
182,550
186,926
552,322
849,593
806,724
557,828
598,746
257,507
933
601,046
573,707
528
337,500
693,221
LT Debt
774,194
1,001,898
1,243,946
1,357,685
999,018
998,153
1,353,263
1,512,324
1,314,903
1,673,826
1,443,230
2,659,787
3,726,375
3,759,731
3,794,156
3,430,839
3,920,873
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
26.92
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.07
- -
- -
Return on Capital (%)
32.45
29.33
12.97
-87.33
-56.33
-67.7
-61.13
8.48
-28.37
3.31
-31.08
-21.71
2.71
0.75
0.07
-11.86
-9.91
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
18,110
18,110
18,110
Market Capitalization
2,843,258
2,354,290
2,010,201

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5,393,062
3,038,861
2,634,648
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
16.44%
23.33%
-9.58%
Free Cash Flow
-171%
-348.15%
17.18%
Net Income, GAAP
-1,724.5%
-3,102.66%
-15,228.14%
Sales/Revenue/Turnover
337.9%
685.28%
-19.93%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
214,303
215,524
259,853
527,333
1,217,002
2025
274,184
199,089
- -
292,542
974,399
2026
225,642
195,815
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.43
2.35
4.13
-8.75
0.16
2025
4.85
1.38
- -
-27.18
-23.66
2026
1.4
3.03
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PT Bank JTrust Indonesia Tbk is an Indonesian banking institution primarily engaged in providing a wide range of banking products and financial services. Its core offerings include savings products, demand deposits, Giro accounts, time deposits, working capital loans, investment loans, vehicle loans, consumer loans, housing loans, import/export financing, cash management, trade finance solutions, foreign exchange transactions, bancassurance, and digital banking services such as internet banking and mobile banking. The bank serves retail, corporate, and SME customers across Indonesia. PT Bank JTrust Indonesia was founded in 2015 following the acquisition and renaming of PT Bank Mutiara Tbk by J Trust Co., Ltd., a financial group based in Tokyo, Japan, which remains the parent company. The bank is headquartered in Jakarta. Recently, PT Bank JTrust Indonesia Tbk has focused on digital banking enhancements including upgrades to its internet and mobile banking platforms to improve customer experience and service completeness. The bank has also launched environmentally focused savings programs such as the TORA Green Savings initiative, which supports ecosystem conservation efforts through customer donations. Strategically, the bank underwent significant financial restructuring, including strengthening its loan portfolio and reserves to improve asset quality. It returned to profitability in recent years with increasing net income noted in 2024 and the first half of 2025. Ownership and operational integration with J Trust Group's entities across Southeast Asia, Japan, South Korea, and Mongolia support its strategic expansions and service offerings. The bank remains regulated by the Indonesian Financial Services Authority and Bank Indonesia, underlining its compliance and governance framework. This comprehensive suite of retail and corporate banking products combined with recent strategic improvements and sustainability-focused initiatives positions PT Bank JTrust Indonesia Tbk as a notable player in Indonesia's banking sector with strong backing from its Japan-based parent group. The company continues to expand its market presence with innovative financial solutions and focus on customer satisfaction throughout the Indonesian market.