Executive Summary
PT Bank Negara Indonesia (Persero) Tbk, together with its subsidiaries, provides various banking products and services in Indonesia, New York, Europe, and Asia.
Snowflake
Fundamentals
Flawless balance sheet established dividend payer.
Similar Companies
Share Price & News
How has Bank Negara Indonesia (Persero)'s share price performed over time and what events caused price changes?
Latest Share Price and Events
Information is not available.
Market Performance
7 Day Return
2.7%
BBNI
3.0%
ID Banks
0.6%
ID Market
1 Year Return
-9.2%
BBNI
11.7%
ID Banks
1.2%
ID Market
Information is not available.
Information is not available.
Shareholder returns
| BBNI | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.7% | 3.0% | 0.6% |
| 30 Day | 1.3% | 1.3% | -1.6% |
| 90 Day | 0.3% | 2.2% | -2.1% |
| 1 Year | -7.0%-9.2% | 14.2%11.7% | 3.7%1.2% |
| 3 Year | 65.4%52.2% | 82.9%70.2% | 24.4%15.2% |
| 5 Year | 44.1%27.0% | 89.3%69.3% | 31.5%16.8% |
Price Volatility Vs. Market
How volatile is Bank Negara Indonesia (Persero)'s share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Bank Negara Indonesia (Persero) undervalued compared to its fair value and its price relative to the market?
28.7%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BBNI (IDR7650) is trading below our estimate of fair value (IDR10734.99)
Significantly Below Fair Value: BBNI is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: BBNI is good value based on its PE Ratio (9.2x) compared to the Banks industry average (19.5x).
PE vs Market: BBNI is good value based on its PE Ratio (9.2x) compared to the ID market (15.2x).
Price to Earnings Growth Ratio
PEG Ratio: BBNI is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: BBNI is overvalued based on its PB Ratio (1.2x) compared to the ID Banks industry average (0.9x).
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Future Growth
How is Bank Negara Indonesia (Persero) forecast to perform in the next 1 to 3 years based on estimates from 19 analysts?
13.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BBNI's forecast earnings growth (13.4% per year) is above the savings rate (2.7%).
Earnings vs Market: BBNI's earnings (13.4% per year) are forecast to grow faster than the ID market (13.5% per year).
High Growth Earnings: BBNI's earnings are forecast to grow, but not significantly.
Revenue vs Market: BBNI's revenue (12.7% per year) is forecast to grow faster than the ID market (8.9% per year).
High Growth Revenue: BBNI's revenue (12.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Information is not available.
Next Steps
Past Performance
How has Bank Negara Indonesia (Persero) performed over the past 5 years?
11.5%
Historical annual earnings growth
Earnings and Revenue History
Information is not available.
Information is not available.
Past Earnings Growth Analysis
Earnings Trend: BBNI's earnings have grown by 11.5% per year over the past 5 years.
Accelerating Growth: BBNI's earnings growth over the past year (4.4%) is below its 5-year average (11.5% per year).
Earnings vs Industry: BBNI earnings growth over the past year (4.4%) underperformed the Banks industry 8.5%.
Return on Equity
High ROE: BBNI's Return on Equity (13%) is considered low.
Return on Assets
Return on Capital Employed
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Financial Health
How is Bank Negara Indonesia (Persero)'s financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
Asset Level: BBNI's level of assets compared to its equity is low.
Allowance for Bad Loans: BBNI has a sufficient allowance for bad loans.
Low Risk Liabilities: BBNI's liabilities are made up of primarily low risk sources of funding.
Loan Level: BBNI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: BBNI's loans are broadly funded by customer deposits.
Level of Bad Loans: BBNI has an appropriate level of bad loans (1.81%)
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Dividend
What is Bank Negara Indonesia (Persero)'s current dividend yield, its reliability and sustainability?
3.20%
Forecast Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: BBNI's dividend (0%) is higher than the bottom 25% of dividend payers in the ID market (1.27%).
High Dividend: BBNI's dividend (0%) is low compared to the top 25% of dividend payers in the ID market (4.85%).
Stability and Growth of Payments
Stable Dividend: BBNI's dividends per share have been stable in the past 0 years.
Growing Dividend: BBNI's dividend payments have increased over the past 0 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (0%), BBNI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BBNI's dividends in 3 years are forecast to be well covered by earnings (26% payout ratio).
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Management
What is the CEO of Bank Negara Indonesia (Persero)'s salary, the management and board of directors tenure and is there insider trading?
4.7yrs
Average management tenure
CEO
Achmad Baiquni (62yo)
4.7yrs
Tenure
Mr. Achmad Baiquni served as a Director of Finance at PT Bank Rakyat Indonesia (Persero) Tbk since May 20, 2010. Mr. Baiquni served as Managing Director of Small Middle and Sharia and Director of PT Bank N ...
Management Age and Tenure
4.7yrs
Average Tenure
53.5yo
Average Age
Experienced Management: BBNI's management team is considered experienced (4.7 years average tenure).
Board Age and Tenure
3.7yrs
Average Tenure
55yo
Average Age
Experienced Board: BBNI's board of directors are considered experienced (3.7 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Information is not available.
Management Team
Achmad Baiquni (62yo)
President Director & CEO
- Tenure: 4.7yrs
Bob Ananta (56yo)
MD of Risk Management & Director
- Tenure: 4.7yrs
Anggoro Cahyo (50yo)
MD of Finance
- Tenure: 1.8yrs
Putrama Setyawan (50yo)
MD of Corporate Banking & Director
- Tenure: 0yrs
Tambok Parulian Simanjuntak (55yo)
Director of Consumer Business & Director
- Tenure: 1.8yrs
Adi Sulistyowati (52yo)
MD of Institutional Relation & Director
- Tenure: 4.7yrs
Dadang Setiabudi (57yo)
MD of Information Technology & Operation and Director
- Tenure: 0yrs
Endang Hidayatullah (49yo)
Director of Human Capital & Compliance and Director
- Tenure: 0yrs
Ronny Venir
Senior EVP of Commercial Banking
- Tenure: 0yrs
- Prasetyo
IR Professional
- Tenure: 0yrs
Board Members
Achmad Baiquni (62yo)
President Director & CEO
- Tenure: 4.7yrs
Bob Ananta (56yo)
MD of Risk Management & Director
- Tenure: 4.7yrs
Anggoro Cahyo (50yo)
MD of Finance
- Tenure: 1.8yrs
Putrama Setyawan (50yo)
MD of Corporate Banking & Director
- Tenure: 0yrs
Tambok Parulian Simanjuntak (55yo)
Director of Consumer Business & Director
- Tenure: 1.8yrs
Herry Sidharta (62yo)
Vice President Director
- Tenure: 2.7yrs
Adi Sulistyowati (52yo)
MD of Institutional Relation & Director
- Tenure: 4.7yrs
Catur Harto (55yo)
Business Director of Small Micro Enterprises & Network and Director
- Tenure: 0yrs
Dadang Setiabudi (57yo)
MD of Information Technology & Operation and Director
- Tenure: 0yrs
Endang Hidayatullah (49yo)
Director of Human Capital & Compliance and Director
- Tenure: 0yrs
Company Information
PT Bank Negara Indonesia (Persero) Tbk's company bio, employee growth, exchange listings and data sources
Key Information
- Name: PT Bank Negara Indonesia (Persero) Tbk
- Ticker: BBNI
- Exchange: IDX
- Founded: 1946
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: Rp142.662t
- Shares outstanding: 18.65b
- Website: https://www.bni.co.id
Number of Employees
Location
- PT Bank Negara Indonesia (Persero) Tbk
- Jl. Jenderal Sudirman Kav. 1
- Jakarta
- 10220
- Indonesia
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BKE1 | DB (Deutsche Boerse AG) | Yes | LKD SHS(IDR7500 & IDR375) | DE | EUR | Oct 1996 |
| BBNI | IDX (Indonesia Stock Exchange) | Yes | LKD SHS(IDR7500 & IDR375) | ID | IDR | Oct 1996 |
| PBNN.F | OTCPK (Pink Sheets LLC) | Yes | LKD SHS(IDR7500 & IDR375) | US | USD | Oct 1996 |
| PTBR.Y | OTCPK (Pink Sheets LLC) | UNSPONSORD ADR | US | USD | Nov 2010 |
Biography
PT Bank Negara Indonesia (Persero) Tbk, together with its subsidiaries, provides various banking products and services in Indonesia, New York, Europe, and Asia. The company offers current account, savings, ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/11/22 15:10 |
| End of Day Share Price | 2019/11/22 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.