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Bank Negara Indonesia (Persero)
AN
AnalystLowTarget
Consensus Narrative from 22 Analysts
Digital Challengers And Strict ESG Rules Will Weaken Banking Stability
Key Takeaways The rise of fintech competition and digital banking threatens BNI's customer base, revenue growth, and ability to attract younger, tech-savvy clients. Regulatory burdens, tightening margins, and macroeconomic risks may increase costs, slow loan growth, and jeopardize long-term profits and asset quality.
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Rp3.82k
FV
14.3% overvalued
intrinsic discount
14.66%
Revenue growth p.a.
Set Fair Value
0
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0
users have commented on this narrative
0
users have followed this narrative
1 day ago
author updated this narrative
Bank Mandiri (Persero)
AN
AnalystLowTarget
Consensus Narrative from 22 Analysts
Digital Disruption Will Erode Margins Amid Credit Risks In Indonesia
Key Takeaways Accelerating digital disruption and fintech competition threaten Bank Mandiri's fee income, relevance, and require costly technological investments to defend market share. Increased credit, regulatory, and sustainability risks expose the bank to earnings volatility, higher compliance costs, and margin compression.
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Rp4.04k
FV
20.1% overvalued
intrinsic discount
8.76%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
1 day ago
author updated this narrative
Bank Negara Indonesia (Persero)
AN
AnalystHighTarget
Consensus Narrative from 22 Analysts
Indonesia's Expanding Middle Class Will Spark A Digital Banking Shift
Key Takeaways Strong digital transformation and asset quality position the bank to structurally boost fee income, margins, and outpace competitors in revenue growth. Expansion into retail and SME segments, combined with robust capital and ESG leadership, supports long-term market share gains and diversified profitability.
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Rp6.10k
FV
28.4% undervalued
intrinsic discount
21.36%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
0
users have followed this narrative
2 days ago
author updated this narrative
Bank Mandiri (Persero)
AN
AnalystHighTarget
Consensus Narrative from 22 Analysts
Indonesia's Rising Middle Class And Digital Evolution Will Reshape Banking
Key Takeaways Deepening integration across value chains, digital platforms, and Indonesia's expanding middle class positions Mandiri for outsized, sustained growth in loans, fee income, and market share. Emphasis on ESG lending, digital scale, and AI-driven efficiency will further boost asset quality, operational leverage, and long-term profitability.
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Rp7.80k
FV
37.8% undervalued
intrinsic discount
15.40%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
2
users have followed this narrative
2 days ago
author updated this narrative
Bank Rakyat Indonesia (Persero)
AN
AnalystHighTarget
Consensus Narrative from 21 Analysts
Digital Banking And Rising Middle Class Will Transform Markets
Key Takeaways Ongoing digital ecosystem expansion and a high retail deposit base will support structurally superior net interest margins and long-term earnings potential. Dominance in microfinance and MSME lending, together with specialized risk management, positions BRI for sustained high growth and profitability over competitors.
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Rp5.89k
FV
30.1% undervalued
intrinsic discount
30.21%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
25 days ago
author updated this narrative
Bank Rakyat Indonesia (Persero)
AN
AnalystLowTarget
Consensus Narrative from 21 Analysts
Deteriorating Loan Quality And Demographic Shifts Will Restrict Prospects
Key Takeaways Persistent asset quality issues and macroeconomic headwinds are likely to weaken loan growth, elevate provisions, and suppress profitability for an extended period. Intensifying regulatory constraints and digital-native competition threaten BRI's core micro-lending business, leading to margin pressure and less sustainable long-term growth.
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Rp3.61k
FV
14.2% overvalued
intrinsic discount
19.86%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
0
users have followed this narrative
about 1 month ago
author updated this narrative
Bank Danamon Indonesia
AN
AnalystConsensusTarget
Consensus Narrative from 1 Analyst
Digital Transformation And MUFG Integration Will Expand Future Markets
Key Takeaways Aggressive digitalization and fintech partnerships aim to boost non-interest revenue and increase efficiency by capturing Indonesia's growing digital banking market. MUFG integration and SME lending expansion are set to diversify revenue streams, lower funding costs, and drive long-term profit growth.
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Rp2.75k
FV
8.4% undervalued
intrinsic discount
17.53%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
11
users have followed this narrative
3 days ago
author updated this narrative
Bank CIMB Niaga
AN
AnalystConsensusTarget
Consensus Narrative from 4 Analysts
Digitalization And CASA Expansion Will Enable Operational Efficiency
Key Takeaways Acceleration of digital banking and fee-based income boosts efficiency, revenue sustainability, and margin resilience amid evolving customer preferences. Targeted loan growth in consumer and SME sectors, plus disciplined asset management, underpins stable earnings and competitive market expansion.
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Rp2.17k
FV
21.0% undervalued
intrinsic discount
11.13%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
28
users have followed this narrative
3 days ago
author updated this narrative
Bank Negara Indonesia (Persero)
AN
AnalystConsensusTarget
Consensus Narrative from 22 Analysts
Shift Towards Corporate And Consumer Loans Expected To Improve Future Prospects
Key Takeaways Strategic focus on corporate and consumer loans with digital and branch transformations is expected to improve revenue and net margins. Asset quality improvement and prudent provisioning efforts are likely to stabilize earnings and support sustainable profit growth.
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Rp5.16k
FV
15.3% undervalued
intrinsic discount
19.15%
Revenue growth p.a.
Set Fair Value
1
users have liked this narrative
0
users have commented on this narrative
35
users have followed this narrative
4 days ago
author updated this narrative
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