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PT Bank Negara Indonesia (Persero) Tbk (BBNI.JK)
Jakarta Pusat, ID
PT Bank Negara Indonesia (Persero) Tbk, founded in 1946 and headquartered in Jakarta Pusat, Indonesia, delivers a comprehensive array of banking and financial services. Its operations span across Indonesia, the United States, Europe, and Asia. The bank offers various deposit products including checking, savings, money market, and time deposit accounts. It extends a wide range of credit facilities, from financing residential purchases (houses, villas, apartments, condominiums, commercial-residential units, and land plots) and construction/renovation, to top-up and refinancing options, as well as pension loans. Customers benefit from modern banking conveniences such as debit and credit cards, SMS, internet, and phone banking, alongside a network of automated teller machines. The institution also provides specialized services like treasury management, transactional banking solutions (including payment, collection, liquidity, and information management), and both short-term and long-term lending (e.g., working capital, investment credit, bank guarantees, and letters of credit). Portfolio management and customer analysis services are also offered. Furthermore, BNI provides foreign exchange services, investment vehicles like government, retail, and corporate bonds, and transaction derivatives. It features BNIFX, a web-based digital platform for direct non-physical forex transactions with BNI treasury dealers, and supports local currency settlement. Its extensive trade finance offerings encompass export and import letters of credit, non-LC transactions, standby LCs, bill collection financing, open account financing, and BNI Trade Online for digital trade transaction submissions. The bank serves a diverse client base across sectors such as agriculture, telecommunications, food and beverage, energy (oil and gas), mining, chemicals, construction, electricity, wholesale, and retail. As of December 31, 2021, its extensive network included 195 domestic branches, 1,097 sub-branches, and 874 additional domestic outlets. Internationally, it maintained 5 branches in Singapore, Hong Kong, Tokyo, London, and Seoul, along with a representative office in New York.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.65% | -2.89% | -0.54% | -15.91% | -13.15% | -13.15% | -15.33% | -18.01% | +37.04% | +56.78% | -51.60% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 16 | +1 |
| Hold | 5 | +1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+4.2% Q1'26: +16.6% (vs Q1'25)
-
EPS growth-6.7% Q1'26: +5.2% (vs Q1'25)
-
FCF margin— Q1'26: +79.1% (vs Q1'25)
-
EBIT margin— Q1'26: +28.6% (vs Q1'25)
-
ROIC— Q1'26: +23.7% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.91× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 16 Rev. Ana. 16 EPS Ana. |
Dec 2027 18 Rev. Ana. 18 EPS Ana. |
Dec 2028 14 Rev. Ana. 12 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
46.67T
est: 35.24T (+32.4%)
|
57.10T
est: 40.37T (+41.4%)
|
63.44T
est: 44.27T (+43.3%)
|
68.76T
est: 48.37T (+42.2%)
|
75.07T
est: 51.63T (+45.4%)
|
72.45T
est: 49.27T (+47.0%)
|
68.79T
est: 56.16T (+22.5%)
|
74.62T
est: 60.19T (+24.0%)
|
81.78T
est: 48.60T (+68.3%)
|
88.09T
est: 63.92T (+37.8%)
|
91.77T
est: 64.10T (+43.2%)
|
69.34T
64.77T – 70.89T
+8.2% YoY
|
73.95T
64.68T – 77.75T
+6.6% YoY
|
80.02T
79.50T – 80.54T
+8.2% YoY
|
| EBITDA |
12.25T
est: 9.32T (+31.4%)
|
15.24T
est: 10.68T (+42.7%)
|
18.23T
est: 11.71T (+55.6%)
|
21.02T
est: 12.80T (+64.3%)
|
20.76T
est: 13.66T (+52.0%)
|
7.69T
est: 13.04T (-41.0%)
|
14.56T
est: 14.86T (-2.0%)
|
24.94T
est: 15.93T (+56.6%)
|
27.94T
est: 17.79T (+57.1%)
|
29.00T
est: 23.40T (+23.9%)
|
27.02T
est: 23.47T (+15.1%)
|
25.39T
23.71T – 25.95T
+8.2% YoY
|
27.07T
23.68T – 28.47T
+6.6% YoY
|
29.30T
29.11T – 29.49T
+8.2% YoY
|
| EBIT |
11.47T
est: 8.26T (+38.8%)
|
14.30T
est: 9.47T (+51.1%)
|
17.17T
est: 10.38T (+65.4%)
|
19.82T
est: 11.34T (+74.8%)
|
19.37T
est: 12.11T (+60.0%)
|
5.11T
est: 11.55T (-55.7%)
|
12.55T
est: 13.17T (-4.7%)
|
22.69T
est: 14.11T (+60.7%)
|
25.64T
est: 16.51T (+55.3%)
|
26.58T
est: 21.71T (+22.4%)
|
24.40T
est: 21.77T (+12.0%)
|
23.55T
22.00T – 24.08T
+8.2% YoY
|
25.12T
21.97T – 26.41T
+6.6% YoY
|
27.18T
27.00T – 27.36T
+8.2% YoY
|
| Net Income |
9.07T
est: 8.66T (+4.6%)
|
11.34T
est: 10.58T (+7.2%)
|
13.62T
est: 13.63T (-0.1%)
|
15.02T
est: 15.06T (-0.3%)
|
15.38T
est: 15.47T (-0.6%)
|
3.28T
est: 3.83T (-14.3%)
|
10.90T
est: 9.92T (+9.9%)
|
18.31T
est: 17.93T (+2.1%)
|
20.91T
est: 21.30T (-1.8%)
|
21.46T
est: 20.87T (+2.9%)
|
20.04T
est: 20.32T (-1.4%)
|
21.47T
20.55T – 23.09T
+5.7% YoY
|
23.70T
20.40T – 27.71T
+10.4% YoY
|
25.75T
23.14T – 28.52T
+8.7% YoY
|
| SGA |
4.63T
est: 3.15T (+46.9%)
|
5.04T
est: 3.61T (+39.5%)
|
5.59T
est: 3.96T (+41.3%)
|
6.41T
est: 4.33T (+48.2%)
|
6.86T
est: 4.62T (+48.5%)
|
6.61T
est: 4.41T (+50.1%)
|
6.76T
est: 5.02T (+34.5%)
|
6.78T
est: 5.38T (+26.0%)
|
7.03T
est: 5.14T (+36.6%)
|
7.13T
est: 6.77T (+5.3%)
|
15.90T
est: 6.79T (+134.4%)
|
7.34T
6.86T – 7.50T
+8.2% YoY
|
7.83T
6.85T – 8.23T
+6.6% YoY
|
8.47T
8.42T – 8.53T
+8.2% YoY
|
| EPS |
487.00
est: 232.36 (+109.6%)
|
611.99
est: 283.73 (+115.7%)
|
730.16
est: 365.54 (+99.7%)
|
805.16
est: 403.97 (+99.3%)
|
824.96
est: 414.85 (+98.9%)
|
176.31
est: 102.59 (+71.9%)
|
292.59
est: 265.96 (+10.0%)
|
491.25
est: 480.96 (+2.1%)
|
561.23
est: 571.65 (-1.8%)
|
575.59
est: 596.13 (-3.4%)
|
537.32
est: 542.89 (-1.0%)
|
575.49
550.98 – 619.12
+6.0% YoY
|
632.28
547.01 – 742.92
+9.9% YoY
|
696.54
620.52 – 764.56
+10.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-26 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-25 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-22 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-21 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-20 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-19 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-13 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-12 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-11 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-08 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-07 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-06 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-05 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-04 | A- | 4/5 | 2/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-30 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-29 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-23 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-15 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Agung Prabowo | Corporate Banking Director & Director | — | male |
| Corina Leyla Karnalies | Consumer Banking Director & Director | — | female |
| David Pirzada | Risk Management Director & Director | — | male |
| Eko Setyo Nugroho | Institutional Director & Director | — | — |
| Hussein Paolo Kartadjoemena | Finance & Strategy Director and Director | — | male |
| Muhammad Iqbal | Commercial Banking Director & Director | — | male |
| Munadi Herlambang | Human Capital & Compliance Director and Director | — | male |
| Putrama Wahju Setyawan | President Director | — | male |
| Rian Eriana Kaslan | Network & Retail Funding Director and Director | — | — |
| Ronny Venir | Operations Director & Director | — | male |
| Toto Prasetio | Information Technology Director & Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BBNI.JK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
