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Bank Negara Indonesia (BBNI) IDR

Bank Negara Indonesia is a state-owned bank providing a wide range of banking services including corporate, commercial, consumer, and treasury banking, as well as digital solutions for small and medium enterprises.

Sector: Banks

ID_BBNI

Price chart

3 650 IDRDay -2.41%

Key metrics

Market

Price
3 650 IDR · -2.41%
Market cap
136135.1 bn IDR

Growth

Δ NII y/y
14.2%
Δ net profit y/y
6.6%

Multiples

P/E (LTM)
6.6x
P/B (FY)
0.8x

Returns

Dividend yield
9.7%
ROE (annualized)
12.9%
ROI (ROE ÷ P/B)
16.2%

Value creation

annualized net income / market cap (return on equity value)
Banking potential
+0.0%
↓ details

Liquidity

Daily turnover (listing)
45.5 bln IDR

Shares: connector/market_inputs

Amounts: USD (converted) · As reported
Converted modes use NBK / ECB-linked rates: balance sheet date for BS items, period average for P&L and cash flow (see filing row evidence). As reported keeps each row in its filing currency.

Financial results

Monetary columns are in B IDR, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.

DatePeriodStatusNet interest incomeB IDRNet profitB IDRAssetsB IDREquityB IDRROE (annualized)Source
2026-06-30Q2 2026 (3M)OK11.3
y/y 14.2%
5.1
y/y 6.6%
1461.0
y/y 21.6%
168.2
y/y 1.8%
12.9%Report (PDF)
2026-03-31Q1 2026 (3M)OK11.0
y/y 12.1%
5.7
y/y 5.7%
1426.8
y/y 24.4%
165.9
y/y -4.1%
13.5%Report (PDF)
2025-12-31Q4 2025 (3M)OK11.1
y/y —
4.9
y/y —
1362.1
y/y 20.6%
171.7
y/y 5.7%
11.7%Report (PDF)
2025-09-30Q3 2025 (3M)OK9.7
y/y —
5.0
y/y —
1269.5
y/y —
171.6
y/y —
12.0%Report (PDF)
2025-06-30Q2 2025 (3M)OK9.7
y/y —
4.7
y/y —
1201.7
y/y —
165.2
y/y —
11.9%Report (PDF)
2025-03-31Q1 2025 (3M)OK9.8
y/y —
5.4
y/y —
1146.6
y/y —
173.0
y/y —
12.8%Report (PDF)
2024-12-31FY 2024 (12M)OK40.5
y/y —
21.5
y/y —
1129.8
y/y —
162.5
y/y —
—Report (PDF)

Research & reviews

Our earnings breakdowns and investment notes on this issuer.

All research →

Monthly OJK statements (bank-only)

Mandatory OJK monthly disclosure (SE OJK 9/2020): unconsolidated bank-only balance sheet and P&L from the issuer's website. Profit and NII are cumulative YTD. Not directly comparable to consolidated group IFRS. Quarter-end months (Mar/Jun/Sep/Dec) are optional — gaps possible. IDR trillions.

MonthAssetsLoans (gross)DepositsEquityNet profit YTDNP monthNII YTD
Aug 20261 434.1
+23.6% y/y
977.2
+27.1% y/y
1 124.7
+29.4% y/y
165.214.3
+6.9% y/y
1.828.9
+14.3% y/y
Jul 20261 438.1
+23.2% y/y
969.9
+27.0% y/y
1 134.9
+28.9% y/y
162.212.5
+5.5% y/y
—25.3
+14.1% y/y
May 20261 365.4
+25.1% y/y
940.9
+24.5% y/y
1 063.9
+33.2% y/y
161.09.1
+7.1% y/y
1.818.1
+15.2% y/y
Apr 20261 328.1
+21.9% y/y
919.5
+21.4% y/y
1 023.1
+26.1% y/y
159.67.3
+6.1% y/y
—14.4
+14.2% y/y
Feb 20261 390.4
+30.4% y/y
882.2
+18.9% y/y
1 092.2
+40.9% y/y
170.43.4
+3.7% y/y
1.77.0
+14.2% y/y
Jan 20261 344.1
+25.0% y/y
894.3
+19.3% y/y
1 051.5
+35.8% y/y
168.81.7
+3.5% y/y
1.73.7
+17.4% y/y
Nov 20251 237.1
+15.3% y/y
822.6
+11.2% y/y
951.6
+21.4% y/y
165.518.6
-6.0% y/y
1.735.4
-0.5% y/y
Oct 20251 191.9
+15.8% y/y
795.2
+9.6% y/y
911.4
+20.8% y/y
164.716.9
-6.3% y/y
—31.9
-1.0% y/y
Aug 20251 160.2
+13.2% y/y
768.6
+8.2% y/y
869.2
+16.6% y/y
160.613.4
-5.7% y/y
1.525.3
-1.2% y/y
Jul 20251 167.3
+14.4% y/y
763.7
+6.3% y/y
880.7
+19.4% y/y
158.411.9
-5.2% y/y
—22.2
+0.1% y/y
May 20251 091.5
+5.0% y/y
755.4
+6.6% y/y
799.0
+1.3% y/y
154.28.5
-1.3% y/y
1.615.7
+3.0% y/y
Apr 20251 089.1
+1.8% y/y
757.6
+7.9% y/y
811.6
-0.9% y/y
152.56.9
+0.1% y/y
—12.6
+3.5% y/y
Feb 20251 066.2
+4.9% y/y
742.0
+10.2% y/y
774.9
+1.0% y/y
162.33.3
+8.3% y/y
1.76.1
+1.8% y/y

Dividends paid in 2026 (as of 2026-08): 13.0 IDR trn.

Indonesia — currency context

USD/IDR17740
1-week+0.9%
1-month-0.4%
room to 52w-weakest2.5%
DXY (dollar index)100.4
US 10Y5.00%

A weaker rupiah lowers the USD value of Indonesian equities for a foreign holder; for banks, BI's high policy rate (defending the currency) pressures margins.

as of 2026-09-18 (Yahoo)

Peer comparison

Group: Banks. Each peer is shown as it trades and re-priced onto this company's market (Indonesia) by the ratio of our coverage medians.

CompanyMarketCap, $bnP/EP/E, adjusted
State Bank of IndiaIndia95.910.7x2.6x
Emirates NBDUAE52.37.9x3.5x
BradescoBrazil37.17.9x3.7x
HDFC BankIndia117.516.0x3.9x
Abu Dhabi Commercial BankUAE34.49.6x4.2x
ICICI BankIndia100.217.1x4.2x
First Abu Dhabi BankUAE59.010.2x4.5x
Shinhan Financial GroupKorea36.89.3x4.7x
KB Financial GroupKorea44.59.8x5.0x
FirstRandSouth Africa32.312.0x7.4x
Bank Central AsiaIndonesia43.413.5x13.5x
Capitec BankSouth Africa31.730.7x18.9x
Group median10.4x4.3x
Group average12.9x6.3x
This companyIndonesia7.66.6x6.6x

Group median 10.4x as traded, 4.3x adjusted; this company 6.6x — a 52% premium.

Group average 12.9x as traded, 6.3x adjusted; against the average this company is at a 4% premium. The average sits 46% above the median: Capitec Bank (18.9x) skews the group.

At the adjusted group median the market cap would be -34% versus today.

The gap and the implied upside are measured against the median: one richly priced peer moves an average, not a median. The market adjustment uses our coverage medians (US 29.1x, Russia 5.6x, South Africa 11.2x, Kazakhstan 9.0x, India 28.1x, Indonesia 6.9x); it is about where a name is listed, not what it does. Peer multiples come from the nightly rebuild of 2026-09-20; the company's own is live.

Dividends

Paid (completed)

DatePer shareDetailsStatusSource
2026-03-25349.4134 IDREx-dividend: 349.4134 IDR per sharePaidYahoo Finance (ex-div)
2025-04-15374.0575 IDREx-dividend: 374.0575 IDR per sharePaidYahoo Finance (ex-div)
2024-03-15280.4952 IDREx-dividend: 280.4952 IDR per sharePaidYahoo Finance (ex-div)
2023-03-28196.3901 IDREx-dividend: 196.3901 IDR per sharePaidYahoo Finance (ex-div)
2022-03-2473.1484 IDREx-dividend: 73.1484 IDR per sharePaidYahoo Finance (ex-div)

KASE: status follows wording in the news headline (paid vs intends to pay). Yahoo: amounts are cash dividends per share on ex-dividend dates (UTC calendar date). stockscope.uz (UZ): amounts are per share in UZS by publication date (not necessarily ex-div).

Investor reporting (IR): https://www.bni.co.id/en-us/investor-relations

Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)

Financial results, valuation multiples (P/E, P/B), profitability and dividend yield of Bank Negara Indonesia (BBNI) — from primary filings.

Frequently asked questions

What is Bank Negara Indonesia (BBNI)'s P/E ratio?
Bank Negara Indonesia (BBNI) trades at a P/E of 6.6x (price to trailing 12-month earnings).
What is Bank Negara Indonesia (BBNI)'s P/B ratio?
Bank Negara Indonesia (BBNI) trades at a P/B of 0.8x.
What is Bank Negara Indonesia (BBNI)'s dividend yield?
Bank Negara Indonesia (BBNI)'s trailing 12-month dividend yield is 9.7%.
What is Bank Negara Indonesia (BBNI)'s return on equity (ROE)?
Bank Negara Indonesia (BBNI)'s ROE is 12.9%.
What is Bank Negara Indonesia (BBNI)'s market capitalization?
Bank Negara Indonesia (BBNI)'s market cap is 136135.1 bn IDR.

See also: Indonesian Stocks (2026): The Cheapest Big Emerging Market · The Cheapest Bank Stocks in the World (2026): Where Global Banks Trade Below Book · The Cheapest Stocks in the World (2026): What Value Investing Says About Buying Cheap · global valuation map