1. Indonesia Stocks

  2. •

    Finance

  3. •

    Major banks
PT Bank CIMB Niaga Tbk Class A

PT Bank CIMB Niaga Tbk Class A

1,665.00
IDR
-60.00
(-3.48%)
39.10TMarket Cap
Oct 22Next Earn
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
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
- -
Basic EPS, GAAP
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
- -
Free Cash Flow per Basic Share
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
- -
Dividend per Share
- -
- -
- -
- -
- -
23.88
27.94
55.84
44.07
94.08
115.09
123.59
157.29
- -
Book Value per Share
1,026.28
1,131.92
1,141.14
1,361.11
1,481.73
1,587.41
1,736.02
1,646.32
1,739.98
1,812.52
1,965.78
2,108.33
2,304.64
2,231.78
Tangible Book Value per Share
1,015.11
1,104.57
1,087.87
1,302.13
1,419.96
1,523.39
1,667.67
1,575.51
1,658.42
1,729.23
1,882.87
2,027.01
2,223.94
2,152.94
Basic Weighted Avg Shares
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
25,141
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
- -
- -
- -
18.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
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
- -
Net Income, GAAP
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
- -
Effective Tax Rate (%)
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
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
10,616,179
Total Equity
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
56,307,278
Return on Invested Capital (%)
- -
- -
- -
3.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.75
5.23
0.94
4.51
5.92
6.73
6.92
3.82
7.94
9.49
11.62
10.87
9.98
- -
Return on Common Equity (%)
17.71
8.64
1.5
6.62
8.37
9.1
8.8
4.77
9.71
11.38
13.72
13.36
12.4
- -

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
25,141
25,142
25,142
Market Capitalization
45,001,529
44,375,707
39,095,608

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29,196,463
17,719,257
19,281,818
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
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

IDR

•

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
5,096,654
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
66.96
68.65
68.7
67.34
271.59
2025
71.8
65.63
- -
63.96
273.53
2026
70.2
66.47
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
123.59
2025
- -
- -
- -
- -
157.29
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Lani Darmawan
Full Time Employees
10,775
Sector
Finance
Industry
Major banks
Address
Jl. Jend. Sudirman Kav. 58 Jakarta JK Indonesia 12190
IPO Date
Nov 29, 1989
Website
cimbniaga.com
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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.