BBNI Share Price Performance
Rp0
-3990.00 (-100.00%)
Price Rp0
Fair ValueRp5,014.86
Share Pricen/a
PT Bank Negara Indonesia (Persero) Tbk Stock Price
- 3 Narratives written by author
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- 80 Fair Values set on narratives written by author
BBNI Community Narratives
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Fair Value Rp5.01k 25.6% undervalued intrinsic discount
Liquidity Support Measures Will Guide Next Phase Of Banking Sector Recovery
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Fair Value Rp5.7k 34.6% undervalued intrinsic discount
Indonesia's Rising Middle Class And Digital Banking Will Drive Growth
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Fair Value Rp4.01k 7.0% undervalued intrinsic discount
Rising Indonesian Fintech And Aging Demographics Will Erode Margins
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Indonesia's Rising Middle Class And Digital Banking Will Drive Growth
Key Takeaways Faster-than-expected digital adoption and funding improvements may drive sharper margin recovery and outperformance versus consensus expectations. Digital, ESG, and fintech initiatives position BNI for superior revenue growth, diversified income, and lasting profitability gains over competitors.Read more
38
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AN
Rp5.7k
34.6% undervalued intrinsic discount
Fair Value
Revenue
20.98% p.a.
Profit Margin
31.98%
Future PE
11.01x
Price in 2029
Rp8.33k
Liquidity Support Measures Will Guide Next Phase Of Banking Sector Recovery
Key Takeaways Digital adoption and expanded SME focus are boosting deposit growth, loan expansion, and supporting higher earnings through cost efficiencies and improved digital engagement. Improved risk management, sustainability initiatives, and strong capital position are enhancing earnings stability and enabling growth in ESG-focused and corporate lending.Read more
153
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AN
Rp5.01k
25.6% undervalued intrinsic discount
Fair Value
Revenue
18.27% p.a.
Profit Margin
31.72%
Future PE
10.48x
Price in 2029
Rp7.35k
Rising Indonesian Fintech And Aging Demographics Will Erode Margins
Key Takeaways Intensifying fintech competition and lagging digital innovation threaten BNI's core market share, fee income, and profitability as customers migrate to more agile players. Dependence on state-linked clients and demographic headwinds could dampen retail banking growth, exposing BNI to policy shifts and long-term contraction in loan demand.Read more
13
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AN
Rp4.01k
7.0% undervalued intrinsic discount
Fair Value
Revenue
15.81% p.a.
Profit Margin
30.5%
Future PE
9.29x
Price in 2029
Rp5.89k
Trending Discussion
Recently Updated Narratives
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BBNI: Share Buyback Plan And Dividend Policy Will Support Future Upside
Fair Value: Rp5.7k 34.6% undervalued intrinsic discount
3 fair values setusers have set this as their fair value
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BBNI: Dividend And New Buyback Plan Will Support Fair Value Reassessment
Fair Value: Rp5.01k 25.6% undervalued intrinsic discount
41 fair values setusers have set this as their fair value
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BBNI: Higher Revenue Assumptions Will Mask Pressure From Lower Profit Margins
Fair Value: Rp4.01k 7.0% undervalued intrinsic discount
1 fair value setusers have set this as their fair value
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Snowflake Analysis
PT Bank Negara Indonesia (Persero) Tbk Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
Apr 29, 2026
- 537.91
- 98.63%
- 40.23%
- 46.8%
About BBNI
- Founded
- 1946
- Employees
- 27737
- CEO
- WebsiteView website
PT Bank Negara Indonesia (Persero) Tbk, together with its subsidiaries, provides various banking products and services in Indonesia, rest of Asia, New York, and Europe. It operates through Corporate Banking, Institutional Banking, Commercial Banking, Consumer Banking, Treasury & International Banking, Head Office, and Subsidiaries segments. The company offers savings; savings plan and FIPF products; loans; credit cards; bancassurance, payroll, and simulation services; safe deposit boxes, bank references, bonds, foreign bank notes, and mobile banking services; services to collect payments or valuable documents; and Xpora, a digital solution for small and medium enterprises. It also provides business banking, funding, lending, trade finance, smart remittance, foreign direct investment, collection and liquidity management, payment management, supply chain financing, consumer financing, wealth management, and custody and trust services; financial institution products; solutions for industrial sectors; and treasury products. In addition, the company offers insurance and venture capital services; securities; and ATM, phone and SMS banking, mobile and internet banking, and internet payment gateway services. PT Bank Negara Indonesia (Persero) Tbk was founded in 1946 and is headquartered in Jakarta Pusat, Indonesia.