Update shared on 07 Nov 2025
Fair value Decreased 0.47%Analysts have slightly reduced their price target for Bank Negara Indonesia (Persero) from IDR 5,067.10 to IDR 5,043.43, citing expectations of stronger revenue growth and improved profit margins, supported by favorable developments in government banking sector policy.
Analyst Commentary
Bullish analysts have cited several factors supporting an improved outlook for Bank Negara Indonesia (Persero), underpinned by anticipated benefits from government policy and recent sector developments. However, certain risks and challenges remain under close watch.
Bullish Takeaways- Expectations of enhanced liquidity from the government's announced deposit injections. This could strengthen the bank's overall funding profile.
- Optimism around continued revenue growth momentum, tied to improved economic conditions and supportive regulatory initiatives.
- Analysts predict that expanding profit margins will bolster earnings and improve the company's valuation potential in coming quarters.
- The recent upgrade to a Buy rating reflects confidence in the bank’s execution capabilities and resilience in a dynamic operating environment.
- Concerns persist regarding the sustainability of profit margin improvements if macroeconomic headwinds intensify.
- Execution risks around managing rapid loan growth and competitive pressures in Indonesia’s banking sector remain focal points.
- The revised price target reflects tempered expectations, with some caution over the potential volatility in deposit growth following policy changes.
What's in the News
- An announcement has been made regarding a Special/Extraordinary Shareholders Meeting that is scheduled for December 15, 2025 (Key Developments).
Valuation Changes
- Consensus Analyst Price Target has edged down slightly, from IDR 5,067.10 to IDR 5,043.43.
- Discount Rate has fallen modestly, moving from 14.52% to 14.22%.
- Revenue Growth projection has increased, rising from 18.99% to 20.13%.
- Net Profit Margin has improved fractionally, from 31.36% to 31.73%.
- Future P/E ratio has decreased, shifting from 10.67x to 10.17x.
Disclaimer
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