1. Indonesia Stocks

  2. •

    Finance

  3. •

    Major banks
PT Bank SMBC Indonesia Tbk

PT Bank SMBC Indonesia Tbk

IIDX:BTPN
2,360.00
IDR
+90.00
(+3.96%)
-13.09EPS
45.49P/E
20.55TMarket Cap
PT Bank SMBC Indonesia Tbk
IDX:BTPN
(Indonesia Stock Exchange)

Recent

price

2,360.00

P/E

ratio

45.49

div

yld

0.67%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
643.12
844.74
1,087.92
1,259.79
1,304.99
1,396.58
1,594.66
1,683.03
1,703.86
1,517.8
1,441.5
1,543.91
1,616.21
1,662.24
1,704.59
1,709.04
1,702.01
Revenue per Share
146.47
245.05
338.46
363.18
317.25
288.86
301.19
210.66
316.94
324.5
215.31
327.94
380.9
292.72
278.87
47.49
42.43
Basic EPS, GAAP
-147.52
-274.04
958.67
-636.23
326.16
486.95
343.44
58.65
656.8
-1,598.95
2,221.75
1,546.47
-622.3
-378.9
1,016.04
396.5
376.96
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
99.13
99.04
- -
12.79
9.38
17.55
103.37
67.81
76.2
15.87
Dividend per Share
738.15
983.18
1,312.72
1,660.77
1,982.44
2,304.33
2,732.79
2,805.63
3,035.82
3,679.32
3,845.2
4,182.12
4,544.03
4,760.45
4,489.19
4,459.73
4,497.24
Book Value per Share
735.56
974.31
1,290.6
1,632.39
1,935.54
2,239.83
2,623.16
2,675.09
2,873.81
3,547.8
3,717.12
4,054.56
4,411.55
4,626.42
4,225.32
4,210.06
4,253.17
Tangible Book Value per Share
5,713
5,713
5,847
5,892
5,892
5,892
5,817
5,796
5,801
7,928
8,124
8,126
8,127
8,057
10,087
10,646
10,646
Basic Weighted Avg Shares
3,674,335
4,826,292
6,361,032
7,422,123
7,688,374
8,227,984
9,276,391
9,754,021
9,883,552
12,032,534
11,711,377
12,545,374
13,135,471
13,392,236
17,194,339
18,194,304
18,119,559
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
65,480
121,960
182,494
240,658
288,105
339,183
399,739
478,691
525,103
676,548
943,003
879,318
834,789
766,147
910,763
966,598
982,088
Depreciation Expense
836,819
1,400,063
1,978,986
2,139,661
1,869,118
1,701,847
1,752,097
1,220,886
1,838,471
2,572,528
1,749,293
2,664,714
3,095,701
2,358,334
2,812,986
505,557
451,665
Net Income, GAAP
25.89
21.49
20.37
25.67
25.9
27.95
27.98
26.58
27.11
25.54
23.83
22.53
22.07
22.42
21.94
136.3
156.46
Effective Tax Rate (%)
22.77
29.01
31.11
28.83
24.31
20.68
18.89
12.52
18.6
21.38
14.94
21.24
23.57
17.61
16.36
2.78
2.49
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
3,316,638
4,457,104
5,220,990
6,449,450
8,357,601
5,400,557
6,257,937
7,830,984
9,774,191
47,451,033
38,889,484
39,201,194
48,820,521
35,001,950
56,183,612
49,314,902
52,593,249
LT Debt
4,217,291
5,617,198
7,733,927
9,784,519
11,927,076
13,923,859
16,312,428
17,200,797
18,786,330
31,471,928
32,964,753
36,078,927
39,413,024
41,283,104
54,746,039
53,455,714
54,054,589
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
17.48
15.9
17.19
14.66
10.15
8.34
7.77
4.28
5.78
4.01
1.98
3.02
3.13
2.47
2.57
1.04
0.98
Return on Capital (%)
26.75
28.47
29.65
24.43
17.42
13.48
11.91
7.54
10.76
10.83
5.72
8.17
8.73
6.24
6.51
1.06
0.94
Return on Common Equity (%)

Capital Structure

IDR

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10,646
10,646
10,646
Market Capitalization
21,717,729
22,569,405
20,546,675

Working Capital

IDR

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12,906,747
25,565,992
18,510,153
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
15.78%
10.74%
-2.36%
Free Cash Flow
-47.24%
-140.96%
-58.81%
Net Income, GAAP
1.31%
-3.61%
-82.03%
Sales/Revenue/Turnover
8.63%
9.6%
5.82%
Total Cash Common Dividend
- -
109.04%
18.6%

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,204,293
4,600,212
4,552,775
4,935,496
17,194,339
2025
4,530,138
4,487,282
4,530,799
4,646,085
18,194,304
2026
4,455,393
- -
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
64.76
66.01
70.79
76.91
278.87
2025
47.87
46.08
44.48
-90.93
47.49
2026
42.8
- -
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
67.81
2025
- -
- -
7.29
8.58
76.2
2026
- -
- -
- -
- -
- -
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Business
PT Bank SMBC Indonesia Tbk (BTPN.JK) operates as a commercial bank in Indonesia, providing a range of banking products and services including deposits such as savings accounts, current accounts, and time deposits; loans encompassing corporate lending, small and medium enterprise financing, consumer loans, mortgages, and microfinance; electronic banking services like mobile banking, internet banking, and automated teller machines; trade finance including letters of credit, bank guarantees, and export-import financing; treasury services comprising foreign exchange, money market operations, and derivatives; and wealth management, payment services, and custody services. The bank serves corporate clients, SMEs, retail customers, and microfinance segments, with operations primarily in Indonesia through an extensive branch network and digital channels. Founded in 1954 and headquartered in Jakarta, Indonesia, it functions as a subsidiary of Sumitomo Mitsui Banking Corporation (SMBC), Japan's second-largest bank, following SMBC's strategic acquisition of a majority stake in 2022 to expand its Southeast Asian footprint. In recent developments within the last two years, the bank has strengthened its market position through the full integration of SMBC's ownership, enabling enhanced capital infusion and technology transfers for digital transformation initiatives; launched expanded Sharia-compliant banking products under its Islamic banking unit to capture growing demand in the halal finance sector; and formed strategic partnerships with fintech firms for seamless payment solutions and lending platforms targeting underserved SMEs. These changes underscore its shift toward sustainable growth, digital innovation, and diversified revenue streams amid Indonesia's robust economic expansion.