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    Banks - Regional
PT Bank Negara Indonesia (Persero) Tbk

PT Bank Negara Indonesia (Persero) Tbk

PBNNF
PT Bank Negara Indonesia (Persero) TbkUS flagOther OTC
0.20
USD
- -
- -
7.55BMarket Cap
PT Bank Negara Indonesia (Persero) Tbk
PBNNF
(Other OTC)

Recent

price

0.20

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
608.01
511.74
586.28
706.79
801.46
903.9
1,073.84
1,153.25
1,254.07
1,331.4
1,354.82
1,412.08
1,518.61
1,513.54
1,511.08
1,552.66
1,589.35
Revenue per Share
132.83
156.2
188.92
242.76
289.1
243.42
305
365.08
402.58
412.48
88.03
292.65
491.25
561.23
575.59
537.32
410.21
Basic EPS, GAAP
-478.75
393.22
155.89
-227.51
-53
572.78
371.94
850.72
-166.75
-387.77
1,958.44
2,567.88
469.77
215.74
-1,778.63
2,686.18
3,035.64
Free Cash Flow per Basic Share
31.36
37.39
37.49
56.68
72.83
72.37
60.98
106.4
127.78
100.64
103.21
22.02
73.09
196.6
280.36
374.06
- -
Dividend per Share
531.58
537.68
657.85
815.6
1,003.96
1,130.52
1,535.24
1,785.38
2,073.16
2,379.26
1,965.86
2,269.76
2,691.66
3,035.48
3,339.26
3,489.02
3,308.37
Book Value per Share
1,073.13
1,014.63
1,166.98
1,278.47
1,636.08
2,105.88
2,400.82
2,705.38
2,959.3
3,351.55
3,028.93
3,397.39
3,740.81
4,112.51
4,446.39
4,708.04
4,428.44
Tangible Book Value per Share
30,890
37,297
37,297
37,297
37,297
37,247
37,176
37,297
37,297
37,297
37,265
37,240
37,277
37,257
37,290
37,297
37,297
Basic Weighted Avg Shares
18,781,770
19,086,445
21,866,622
26,361,493
29,892,224
33,667,770
39,921,362
43,013,101
46,773,619
49,657,486
50,487,073
52,586,182
56,608,758
56,389,769
56,347,695
57,909,918
59,278,587
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
457,960
518,329
641,916
652,257
783,311
939,527
1,059,791
1,201,294
1,386,498
2,576,716
2,006,916
2,250,499
2,304,524
2,416,792
2,619,359
2,050,627
Depreciation Expense
4,103,198
5,825,904
7,046,145
9,054,345
10,782,628
9,066,581
11,338,748
13,616,476
15,015,118
15,384,476
3,280,403
10,898,518
18,312,054
20,909,476
21,463,599
20,040,703
15,299,900
Net Income, GAAP
25.2
22.16
20.8
19.69
19.93
20.28
20.22
19.78
23.86
19.93
35.03
12.54
18.53
17.68
18.44
17.57
17.82
Effective Tax Rate (%)
21.85
30.52
32.22
34.35
36.07
26.93
28.4
31.66
32.1
30.98
6.5
20.73
32.35
37.08
38.09
34.61
25.81
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,750,677
4,519,968
8,738,372
9,398,007
14,893,296
28,710,985
35,375,821
40,894,618
40,929,944
44,022,462
43,596,843
49,212,649
52,843,998
52,771,696
70,437,777
70,560,775
63,538,592
LT Debt
33,149,525
37,843,024
43,525,291
47,683,505
61,021,308
78,438,222
89,254,000
100,903,304
110,373,789
125,003,948
112,872,199
126,519,977
140,197,662
153,963,246
166,548,007
176,339,368
165,910,858
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
26.46
31.95
31.6
32.95
31.78
22.79
22.86
22.02
20.87
18.53
4.05
13.81
19.81
19.59
18.07
15.74
12.07
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
37,257
37,257
Market Capitalization
153,105,470
125,754,107
127,885,532

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
153,459,388
201,962,505
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.65%
9.35%
5.88%
Free Cash Flow
-177.84%
-256.2%
-251.06%
Net Income, GAAP
28.96%
62.09%
-6.63%
Sales/Revenue/Turnover
5.7%
2.82%
2.77%
Total Cash Common Dividend
45.91%
79.71%
33.45%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13,307,104
13,536,656
14,353,732
15,769,447
56,347,695
2025
13,583,062
13,392,112
14,560,550
16,176,982
57,909,918
2026
15,148,943
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
142.93
- -
- -
- -
575.59
2025
144.26
- -
- -
- -
537.32
2026
151.77
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
280.36
2025
- -
- -
- -
- -
374.06
2026
- -
- -
- -
- -
- -
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Business
PT Bank Negara Indonesia (Persero) Tbk (BNI) operates as a state-owned commercial bank providing a comprehensive range of banking products and services including savings accounts, savings plans, and FIPF products; loans and credit cards; bancassurance, payroll, and simulation services; safe deposit boxes, bank references, bonds, and foreign bank notes; mobile banking, ATM, phone, SMS, internet banking, and internet payment gateways; business banking, funding, lending, trade finance, smart remittance, foreign direct investment, collection and liquidity management, payment management, supply chain financing, consumer financing, wealth management, custody, and trust services; financial institution products and industrial sector solutions; treasury products such as foreign exchange transactions (FX TOD, TOM, SPOT, banknotes), money market transactions (MMA, DOC, REPO, reverse REPO), investment products (bond investment, depo swap, market linked, Depoplus), and transaction derivatives (FX forward, PAR forward, DNDF, FX swap, cross currency swap); insurance and venture capital services; and securities brokerage through subsidiaries like PT BNI Sekuritas. The bank serves wholesale and international banking, institutional banking, enterprises and commercial banking, retail banking, and treasury segments, targeting individuals, businesses, small and medium enterprises, financial institutions, and industrial sectors primarily in Indonesia with international operations in Asia (Singapore, Hong Kong, Tokyo, Osaka, Seoul), Europe (Amsterdam, London), North America (New York), and Australia (Sydney), supported by over 2,000 branches and more than 63 million customers. Founded in 1946 and headquartered at Grha BNI, Jl. Jend. Sudirman Kav. 1, South Jakarta, Indonesia, BNI maintains subsidiaries including PT Bank Negara Indonesia (Persero) Tbk (Singapore), BNI Securities Pte. Ltd., and others focused on banking, securities, and related activities. Recent developments include strengthening its partnership with Cloudera in August 2025 to scale AI-powered business transformation through a secure hybrid data platform for real-time insights, machine learning, generative AI inference, customer churn prediction, and regulatory compliance; signing a comprehensive strategic partnership with VinFast in March 2025 to accelerate green transition and sustainable growth via financial solutions for electric vehicles; and enhancing strategic collaboration with the Land Bank Agency in October 2025 to support national development and investment through optimal use of state-owned productive land. In 2024, BNI advanced digital banking initiatives and participated in discussions for a national Islamic bank merger involving its syariah unit with those of Bank BRI and Bank Mandiri to build global capacity.