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PT Bank Tabungan Negara (Persero) Tbk (BBTN.JK)
Jakarta, ID
Operating across Indonesia, PT Bank Tabungan Negara (Persero) Tbk delivers a comprehensive suite of financial solutions and banking services. Its offerings encompass a range of deposit products, including savings, current, demand, time, and certificates of deposit accounts, alongside debit cards for transactional convenience. The bank extends various lending facilities, such as consumer and construction loans, tailored credits for micro, small, and medium-sized enterprises, funding for commercial and institutional clients, and both subsidized and standard mortgage options, in addition to credit card services. Furthermore, the institution engages in issuing debt instruments and provides a broad spectrum of other banking activities. These include factoring, trustee services, investment banking, treasury management, asset and wealth management, electronic data capture, cash management, branchless banking, bank guarantees, safe deposit box facilities, money transfer and remittance, and payroll processing. Its digital infrastructure supports a robust electronic banking platform, featuring automated teller machines (ATMs) and kiosks, cash deposit machines, debit card functionality, internet banking, virtual accounts, SMS banking, and mobile banking applications. As of December 31, 2021, the company commanded a substantial operational footprint throughout Indonesia. Its physical network consisted of 6 regional offices; 108 branch offices (including 29 dedicated sharia branches); 604 sub-branch offices (61 of which were sharia-compliant); 58 functional offices; 7 sharia cash offices; 12 sharia payment points; and 51 mobile sub-branch offices functioning as cash points. Supplementing these were 2 service offices, equivalent to sub-branches. The bank also deployed an extensive array of 2,115 E-channels, encompassing automated teller machines (ATMs) and cash recycle machines, to provide widespread access to its services. Established in 1897, the institution initially operated under the name Bank Tabungan Pos before officially adopting PT Bank Tabungan Negara (Persero) Tbk in 1963. Its main corporate offices are located in Jakarta, Indonesia.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -5.22% | -2.68% | -6.27% | -8.63% | +6.28% | +9.48% | +5.83% | +2.01% | -19.44% | -23.20% | +63.12% |
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
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 8 | 0 |
| Hold | 3 | -1 |
| Sell | 1 | 0 |
| Strong Sell | 0 | -1 |
-
Revenue growth+28.2% Q1'26: +4.3% (vs Q1'25)
-
EPS growth+16.4% Q1'26: +23.4% (vs Q1'25)
-
FCF margin— Q1'26: -44.8% (vs Q1'25)
-
EBIT margin— Q1'26: +15.8% (vs Q1'25)
-
ROIC— Q1'26: +7.2% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 7.92× (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 12 Rev. Ana. 12 EPS Ana. |
Dec 2027 11 Rev. Ana. 11 EPS Ana. |
Dec 2028 9 Rev. Ana. 8 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
15.78T
est: 7.84T (+101.2%)
|
18.16T
est: 9.13T (+98.8%)
|
20.64T
est: 10.86T (+90.1%)
|
23.70T
est: 12.54T (+89.0%)
|
26.20T
est: 11.56T (+126.6%)
|
25.90T
est: 11.35T (+128.1%)
|
26.78T
est: 14.49T (+84.8%)
|
26.26T
est: 16.61T (+58.1%)
|
29.69T
est: 14.33T (+107.2%)
|
30.76T
est: 16.44T (+87.1%)
|
39.43T
est: 21.40T (+84.2%)
|
22.16T
20.17T – 25.07T
+3.5% YoY
|
23.76T
21.16T – 27.50T
+7.2% YoY
|
25.60T
25.56T – 25.63T
+7.7% YoY
|
| EBITDA |
2.74T
est: 1.15T (+139.1%)
|
3.55T
est: 1.33T (+166.1%)
|
4.08T
est: 1.59T (+157.1%)
|
3.87T
est: 1.83T (+111.6%)
|
725.29B
est: 1.69T (-57.0%)
|
2.80T
est: 1.66T (+68.8%)
|
3.55T
est: 2.12T (+67.7%)
|
4.50T
est: 2.43T (+85.7%)
|
5.10T
est: 2.16T (+136.2%)
|
4.50T
est: 2.48T (+81.9%)
|
5.16T
est: 3.22T (+60.1%)
|
3.34T
3.04T – 3.78T
+3.5% YoY
|
3.58T
3.19T – 4.14T
+7.2% YoY
|
3.85T
3.85T – 3.86T
+7.7% YoY
|
| EBIT |
2.54T
est: 968.07B (+162.6%)
|
3.33T
est: 1.13T (+195.4%)
|
3.86T
est: 1.34T (+188.1%)
|
3.61T
est: 1.55T (+133.3%)
|
411.06B
est: 1.43T (-71.2%)
|
2.27T
est: 1.40T (+62.0%)
|
2.99T
est: 1.79T (+67.4%)
|
3.88T
est: 2.05T (+89.0%)
|
4.38T
est: 1.84T (+138.6%)
|
3.77T
est: 2.11T (+79.1%)
|
4.38T
est: 2.74T (+59.8%)
|
2.84T
2.58T – 3.21T
+3.5% YoY
|
3.04T
2.71T – 3.52T
+7.2% YoY
|
3.28T
3.28T – 3.28T
+7.7% YoY
|
| Net Income |
1.85T
est: 2.31T (-19.7%)
|
2.62T
est: 3.12T (-16.2%)
|
3.03T
est: 3.86T (-21.5%)
|
2.81T
est: 4.13T (-32.0%)
|
209.26B
est: 274.75B (-23.8%)
|
1.60T
est: 1.80T (-10.8%)
|
2.38T
est: 2.80T (-15.1%)
|
3.05T
est: 3.43T (-11.2%)
|
3.50T
est: 3.53T (-0.8%)
|
3.01T
est: 3.21T (-6.4%)
|
3.50T
est: 3.71T (-5.5%)
|
3.83T
3.31T – 4.15T
+3.2% YoY
|
4.11T
3.21T – 4.80T
+7.3% YoY
|
4.42T
4.03T – 4.55T
+7.7% YoY
|
| SGA |
1.61T
est: 747.39B (+115.0%)
|
1.82T
est: 870.41B (+109.4%)
|
2.23T
est: 1.03T (+115.5%)
|
2.43T
est: 1.19T (+103.6%)
|
2.52T
est: 1.10T (+128.4%)
|
2.14T
est: 1.08T (+98.2%)
|
2.34T
est: 1.38T (+69.1%)
|
2.74T
est: 1.58T (+72.8%)
|
2.81T
est: 1.63T (+72.5%)
|
3.31T
est: 1.87T (+77.0%)
|
6.90T
est: 2.43T (+183.5%)
|
2.52T
2.29T – 2.85T
+3.5% YoY
|
2.70T
2.41T – 3.13T
+7.2% YoY
|
2.91T
2.91T – 2.92T
+7.7% YoY
|
| EPS |
155.47
est: 164.28 (-5.4%)
|
219.44
est: 222.63 (-1.4%)
|
254.08
est: 274.78 (-7.5%)
|
235.56
est: 294.26 (-19.9%)
|
19.05
est: 19.58 (-2.7%)
|
145.89
est: 127.98 (+14.0%)
|
216.35
est: 199.43 (+8.5%)
|
287.54
est: 246.87 (+16.5%)
|
249.46
est: 251.42 (-0.8%)
|
214.29
est: 220.37 (-2.8%)
|
249.47
est: 235.68 (+5.9%)
|
272.31
235.60 – 295.75
+15.5% YoY
|
292.54
228.71 – 342.00
+7.4% YoY
|
299.44
287.49 – 324.21
+2.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-25 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-22 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-21 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Indonesia ETF EIDO | 0.69% | 3.09M | 0.59% |
| 2 | WisdomTree Emerging Markets SmallCap Dividend UCITS ETF DGSD.L | 0.09% | 37.5K | 0.54% |
| 3 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.05% | 324.3K | 0.65% |
| 4 | WisdomTree Emerging Markets SmallCap Dividend Fund DGS | 0.04% | 726.7K | 0.58% |
| 5 | FlexShares Morningstar Emerging Markets Factor Tilt Index Fund TLTE | 0.04% | 142.0K | 0.58% |
| 6 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.04% | 43.1K | 0.42% |
| 7 | iShares MSCI AC Far East ex-Japan Small Cap UCITS ETF ISFE.L | 0.03% | 22.5K | 0.74% |
| 8 | State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L | 0.03% | 156.7K | 0.55% |
| 9 | Avantis Emerging Markets Equity ETF AVEM | 0.02% | 5.86M | 0.33% |
| 10 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.02% | 72.6K | 0.56% |
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 |
|---|---|---|---|
| Beki Kanuwa | Service Quality & Distribution Division Head and Head of Retail Credit Risk Division | — | male |
| D. Adee Indriana | Vice President and Head of Operations & Business Support Division | — | female |
| Dewi Fitrianingrum | Executive VP & Head of Regional Office II (Jakarta) | — | female |
| Eko Waluyo | Director of Human Capital, Compliance & Legal and Director | — | male |
| Erwin Dwi Kusuma | Senior Vice President & Head of Transformation Partnership Management | — | male |
| Nixon Lambok Pahotan Napitupulu | President Director | — | male |
| Nofry Rony Poetra | Director of Finance & Strategy and Director | — | male |
| Nyoman Sugiri Yasa | Director of Operations & Director | — | — |
| Rudolf Valentino Saragih | Senior Vice President and Head of Finance & Accounting Division | — | male |
| Triani Pudji Astuti | Vice President & Head of Commercial Banking Division | — | female |
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 BBTN.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.
