PT Bank Negara Indonesia (Persero) Tbk

PT Bank Negara Indonesia (Persero) Tbk

PTBRY
PT Bank Negara Indonesia (Persero) TbkUS flagOther OTC
10.70
USD
-1.00
- -
7.98BMarket Cap
PT Bank Negara Indonesia (Persero) Tbk
PTBRY
(Other OTC)

Recent

price

10.70

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
30,400.65
25,586.89
29,313.94
35,339.67
40,072.89
45,194.94
53,691.79
57,662.47
62,703.74
66,569.79
67,741.19
70,603.87
75,930.39
75,677.15
75,553.88
77,632.83
79,467.64
Revenue per Share
6,641.54
7,810.09
9,445.92
12,138.07
14,454.97
12,170.8
15,249.92
18,253.96
20,128.95
20,624.11
4,401.49
14,632.69
24,562.3
28,061.29
28,779.49
26,866.15
20,510.73
Basic EPS, GAAP
-23,937.73
19,660.84
7,794.59
-11,375.7
-2,649.84
28,639.01
18,597.09
42,536.24
-8,337.43
-19,388.58
97,921.79
128,394.01
23,488.25
10,787.03
-88,931.4
134,309.19
151,782.03
Free Cash Flow per Basic Share
1,568.05
1,869.54
1,874.42
2,833.78
3,641.42
3,618.59
3,048.82
5,320.17
6,388.89
5,032.24
5,160.54
1,101.09
3,654.6
9,830.18
14,018.25
18,702.87
- -
Dividend per Share
26,578.82
26,883.85
32,892.54
40,780.09
50,197.76
56,526.23
76,762.01
89,269.03
103,657.91
118,962.86
98,292.94
113,488.08
134,582.75
151,773.83
166,963.1
174,451.21
165,418.42
Book Value per Share
53,656.66
50,731.57
58,349.1
63,923.51
81,803.89
105,293.89
120,041.18
135,268.87
147,964.8
167,577.69
151,446.62
169,869.72
187,040.68
205,625.32
222,319.44
235,401.9
221,422.02
Tangible Book Value per Share
618
746
746
746
746
745
744
746
746
746
745
745
746
745
746
746
746
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
165,475,745
161,000,067
140,971,200

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
7,146.26
- -
- -
- -
28,779.49
2025
7,212.95
- -
- -
- -
26,866.15
2026
7,588.7
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
14,018.25
2025
- -
- -
- -
- -
18,702.87
2026
- -
- -
- -
- -
- -
Business
PT Bank Negara Indonesia (Persero) Tbk operates as a state-owned bank primarily engaged in providing comprehensive banking and financial services. The bank's offerings span corporate and international banking; institutional banking catering to government ministries and institutions; enterprises and commercial banking for middle to small businesses; consumer banking including home loans, credit cards, and personal financing; treasury services; and specialized subsidiaries. PT Bank Negara Indonesia manufactures a wide range of products, including personal loans, savings accounts, credit cards, trade finance, cash management, treasury products, remittances, and working capital loans. Additionally, it offers foreign exchange transaction services such as FX TOD, TOM, SPOT, banknotes, money market transactions, and derivatives like FX Forward and Cross Currency Swap. The bank employs digital banking platforms including mobile and internet banking, ATM services, and phone and SMS banking to expand customer access. It also provides investment products like bond investments, depo swap, and market-linked products. Headquartered in Jakarta, Indonesia, and founded in 1946, PT Bank Negara Indonesia operates extensively throughout Indonesia with recent operational recovery efforts in regions like Sumatra following natural disasters. The bank targets a broad customer base including corporate clients, government agencies, commercial enterprises, and retail consumers through its diverse banking segments and digital channels. In terms of recent major changes, in 2024-2025, PT Bank Negara Indonesia formalized strategic partnerships, notably with Astra Credit Companies to enhance automotive financing and with Batumbu (Validus Indonesia) to channel IDR 1.2 trillion in loans supporting MSMEs through digital fintech platforms. The bank led a syndicate of 16 banks to finance a Rp 3.2 trillion infrastructure project (Pemalang-Batang toll road), demonstrating its role in large-scale financing initiatives. It also introduced the use of satellite-based connectivity solutions to maintain banking operations during regional disruptions caused by flooding in Sumatra. These moves reflect the bank’s strategic focus on strengthening digital transformation, expanding MSME financing access, and supporting national infrastructure development. PT Bank Negara Indonesia operates under the ticker symbol PTBRY and continues to emphasize innovation in digital client acquisition and service delivery across Indonesia's banking and financial sectors. Its subsidiaries and strategic alliances further enhance its service portfolio and market reach. This comprehensive operational and strategic profile underscores PT Bank Negara Indonesia's position as one of Indonesia's leading state-owned banks, delivering a broad suite of financial products and services while actively advancing digital transformation and sectoral partnerships to support Indonesia's economic growth.

Company News

APIChat
  • PT Bank Negara Indonesia (Persero) Tbk (PTBRY) Q4 2025 Earnings Call Transcript

  • PT Bank Negara Indonesia (Persero) Tbk (PTBRY) Q3 2025 Earnings Call Transcript