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
Shares: connector/market_inputs
Monetary columns are in K USD, 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.
| Date | Period | Status | Net interest incomeK USD | Net profitK USD | AssetsK USD | EquityK USD | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | Q2 2026 (3M) | OK | 642.5 y/y 8.8% | 288.5 y/y 1.5% | — y/y — | 9423.1 y/y -7.4% | 13.0% | Report (PDF) |
| 2026-03-31 | Q1 2026 (3M) | OK | 654.0 y/y 8.7% | 337.2 y/y 2.5% | — y/y — | 9779.6 y/y -6.0% | 13.5% | Report (PDF) |
| 2025-12-31 | Q4 2025 (3M) | OK | 661.7 y/y — | 293.3 y/y — | — y/y — | 10273.4 y/y 2.4% | 11.8% | Report (PDF) |
| 2025-09-30 | Q3 2025 (3M) | OK | 598.1 y/y — | 308.4 y/y — | — y/y — | 10290.9 y/y — | 12.0% | Report (PDF) |
| 2025-06-30 | Q2 2025 (3M) | OK | 590.0 y/y — | 287.2 y/y — | — y/y — | 10177.9 y/y — | 12.0% | Report (PDF) |
| 2025-03-31 | Q1 2025 (3M) | OK | 601.4 y/y — | 329.0 y/y — | — y/y — | 10399.4 y/y — | 12.9% | Report (PDF) |
| 2024-12-31 | FY 2024 (12M) | OK | 2557.2 y/y — | 1355.9 y/y — | — y/y — | 10033.8 y/y — | — | Report (PDF) |
Our earnings breakdowns and investment notes on this issuer.
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.
| Month | Assets | Loans (gross) | Deposits | Equity | Net profit YTD | NP month | NII YTD |
|---|---|---|---|---|---|---|---|
| Aug 2026 | 1 434.1 +23.6% y/y | 977.2 +27.1% y/y | 1 124.7 +29.4% y/y | 165.2 | 14.3 +6.9% y/y | 1.8 | 28.9 +14.3% y/y |
| Jul 2026 | 1 438.1 +23.2% y/y | 969.9 +27.0% y/y | 1 134.9 +28.9% y/y | 162.2 | 12.5 +5.5% y/y | — | 25.3 +14.1% y/y |
| May 2026 | 1 365.4 +25.1% y/y | 940.9 +24.5% y/y | 1 063.9 +33.2% y/y | 161.0 | 9.1 +7.1% y/y | 1.8 | 18.1 +15.2% y/y |
| Apr 2026 | 1 328.1 +21.9% y/y | 919.5 +21.4% y/y | 1 023.1 +26.1% y/y | 159.6 | 7.3 +6.1% y/y | — | 14.4 +14.2% y/y |
| Feb 2026 | 1 390.4 +30.4% y/y | 882.2 +18.9% y/y | 1 092.2 +40.9% y/y | 170.4 | 3.4 +3.7% y/y | 1.7 | 7.0 +14.2% y/y |
| Jan 2026 | 1 344.1 +25.0% y/y | 894.3 +19.3% y/y | 1 051.5 +35.8% y/y | 168.8 | 1.7 +3.5% y/y | 1.7 | 3.7 +17.4% y/y |
| Nov 2025 | 1 237.1 +15.3% y/y | 822.6 +11.2% y/y | 951.6 +21.4% y/y | 165.5 | 18.6 -6.0% y/y | 1.7 | 35.4 -0.5% y/y |
| Oct 2025 | 1 191.9 +15.8% y/y | 795.2 +9.6% y/y | 911.4 +20.8% y/y | 164.7 | 16.9 -6.3% y/y | — | 31.9 -1.0% y/y |
| Aug 2025 | 1 160.2 +13.2% y/y | 768.6 +8.2% y/y | 869.2 +16.6% y/y | 160.6 | 13.4 -5.7% y/y | 1.5 | 25.3 -1.2% y/y |
| Jul 2025 | 1 167.3 +14.4% y/y | 763.7 +6.3% y/y | 880.7 +19.4% y/y | 158.4 | 11.9 -5.2% y/y | — | 22.2 +0.1% y/y |
| May 2025 | 1 091.5 +5.0% y/y | 755.4 +6.6% y/y | 799.0 +1.3% y/y | 154.2 | 8.5 -1.3% y/y | 1.6 | 15.7 +3.0% y/y |
| Apr 2025 | 1 089.1 +1.8% y/y | 757.6 +7.9% y/y | 811.6 -0.9% y/y | 152.5 | 6.9 +0.1% y/y | — | 12.6 +3.5% y/y |
| Feb 2025 | 1 066.2 +4.9% y/y | 742.0 +10.2% y/y | 774.9 +1.0% y/y | 162.3 | 3.3 +8.3% y/y | 1.7 | 6.1 +1.8% y/y |
Dividends paid in 2026 (as of 2026-08): 13.0 IDR trn.
| USD/IDR | 17740 |
| 1-week | +0.9% |
| 1-month | -0.4% |
| room to 52w-weakest | 2.5% |
| DXY (dollar index) | 100.4 |
| US 10Y | 5.00% |
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)
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.
| Company | Market | Cap, $bn | P/E | P/E, adjusted |
|---|---|---|---|---|
| State Bank of India | India | 95.9 | 10.7x | 2.6x |
| Emirates NBD | UAE | 53.0 | 8.0x | 3.5x |
| Bradesco | Brazil | 37.1 | 7.9x | 3.6x |
| HDFC Bank | India | 117.5 | 16.0x | 3.9x |
| ICICI Bank | India | 100.5 | 17.2x | 4.1x |
| Abu Dhabi Commercial Bank | UAE | 34.6 | 9.6x | 4.2x |
| First Abu Dhabi Bank | UAE | 59.7 | 10.3x | 4.5x |
| Shinhan Financial Group | Korea | 37.8 | 9.6x | 4.7x |
| KB Financial Group | Korea | 45.2 | 10.0x | 4.9x |
| FirstRand | South Africa | 32.3 | 12.0x | 7.2x |
| Bank Central Asia | Indonesia | 43.1 | 13.3x | 13.3x |
| Capitec Bank | South Africa | 31.7 | 30.7x | 18.5x |
| Group median | 10.5x | 4.3x | ||
| Group average | 12.9x | 6.2x | ||
| This company | Indonesia | 7.6 | 6.2x | 6.2x |
Group median 10.5x as traded, 4.3x adjusted; this company 6.2x — a 43% premium.
Group average 12.9x as traded, 6.2x adjusted; against the average this company is at a 1% discount. The average sits 44% above the median: Capitec Bank (18.5x) skews the group.
At the adjusted group median the market cap would be -30% 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 5.4x, South Africa 11.3x, Kazakhstan 9.5x, India 28.2x, Indonesia 6.8x); it is about where a name is listed, not what it does. Peer multiples come from the nightly rebuild of 2026-09-21; the company's own is live.
No dividend rows found for this issuer (checked: Yahoo Finance (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.
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