Bank Negara Indonesia (Persero) (BBNI) Stock Overview
Provides various banking products and services in Indonesia, rest of Asia, New York, and Europe. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 2/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
BBNI Community Fair Values
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Analyst Price Targets
PT Bank Negara Indonesia (Persero) Tbk Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | Rp3,420.00 |
| 52 Week High | Rp4,730.00 |
| 52 Week Low | Rp3,510.00 |
| Beta | 0.20 |
| 1 Month Change | -12.76% |
| 3 Month Change | -19.91% |
| 1 Year Change | -22.62% |
| 3 Year Change | -25.65% |
| 5 Year Change | 20.53% |
| Change since IPO | -46.35% |
Recent News & Updates
Narrative Update • Jun 01
BBNI: Upcoming Dividend Will Support Future Upside Despite Margin Assumptions
Analysts have trimmed their price target for Bank Negara Indonesia (Persero) from IDR5,014.86 to IDR4,788.05, reflecting updated views on slightly lower profit margins and P/E assumptions, along with revised expectations for revenue growth and discount rates. What's in the News PT Bank Negara Indonesia (Persero) Tbk announced an annual dividend of IDR 349.4134 per share.
Narrative Update • May 17
BBNI: Dividend And Completed Buyback Will Support Future Upside
Analysts have trimmed their price target for Bank Negara Indonesia (Persero) from IDR 5,700 to IDR 5,500, reflecting updated assumptions that combine slightly lower revenue growth and future P/E with a somewhat higher profit margin outlook. What's in the News PT Bank Negara Indonesia (Persero) Tbk announced an annual dividend of IDR 349.4134 per share, scheduled for payment on April 7, 2026, with an ex date of March 25, 2026 and a record date of March 26, 2026 (Key Developments).Narrative Update • Apr 27
BBNI: Dividend And Share Buyback Program Will Support Future Upside
Analysts have kept their IDR 5,700 price target for Bank Negara Indonesia (Persero) unchanged, citing only small adjustments to assumptions around the discount rate, revenue growth, profit margin, and forward P/E as reasons for maintaining their view. What's in the News PT Bank Negara Indonesia (Persero) Tbk announced an annual dividend of IDR 349.4134 per share, with ex date on March 25, 2026, record date on March 26, 2026, and payment scheduled for April 7, 2026 (company announcement).Narrative Update • Apr 13
BBNI: Share Buyback Plan And Dividend Policy Will Support Future Upside
Analysts have maintained their IDR 5,700 price target for Bank Negara Indonesia (Persero), citing slightly lower discount rate assumptions and a marginally softer profit margin outlook that are broadly offset by a small adjustment to projected revenue growth and future P/E. What's in the News The Board of Directors authorized a share buyback plan on January 29, 2026, setting the groundwork for repurchases subject to shareholder approval (company announcement).Recent updates
Narrative Update • Jun 01
BBNI: Upcoming Dividend Will Support Future Upside Despite Margin Assumptions
Analysts have trimmed their price target for Bank Negara Indonesia (Persero) from IDR5,014.86 to IDR4,788.05, reflecting updated views on slightly lower profit margins and P/E assumptions, along with revised expectations for revenue growth and discount rates. What's in the News PT Bank Negara Indonesia (Persero) Tbk announced an annual dividend of IDR 349.4134 per share.Narrative Update • May 17
BBNI: Dividend And Completed Buyback Will Support Future Upside
Analysts have trimmed their price target for Bank Negara Indonesia (Persero) from IDR 5,700 to IDR 5,500, reflecting updated assumptions that combine slightly lower revenue growth and future P/E with a somewhat higher profit margin outlook. What's in the News PT Bank Negara Indonesia (Persero) Tbk announced an annual dividend of IDR 349.4134 per share, scheduled for payment on April 7, 2026, with an ex date of March 25, 2026 and a record date of March 26, 2026 (Key Developments).Narrative Update • Apr 27
BBNI: Dividend And Share Buyback Program Will Support Future Upside
Analysts have kept their IDR 5,700 price target for Bank Negara Indonesia (Persero) unchanged, citing only small adjustments to assumptions around the discount rate, revenue growth, profit margin, and forward P/E as reasons for maintaining their view. What's in the News PT Bank Negara Indonesia (Persero) Tbk announced an annual dividend of IDR 349.4134 per share, with ex date on March 25, 2026, record date on March 26, 2026, and payment scheduled for April 7, 2026 (company announcement).Narrative Update • Apr 13
BBNI: Share Buyback Plan And Dividend Policy Will Support Future Upside
Analysts have maintained their IDR 5,700 price target for Bank Negara Indonesia (Persero), citing slightly lower discount rate assumptions and a marginally softer profit margin outlook that are broadly offset by a small adjustment to projected revenue growth and future P/E. What's in the News The Board of Directors authorized a share buyback plan on January 29, 2026, setting the groundwork for repurchases subject to shareholder approval (company announcement).Narrative Update • Mar 30
BBNI: Dividend And New Buyback Plan Will Support Fair Value Reassessment
Analysts have trimmed their price target for Bank Negara Indonesia (Persero) slightly to around IDR 5,015 from about IDR 5,029, citing small adjustments to fair value inputs, discount rate, revenue growth, profit margin assumptions, and a higher future P/E. What's in the News Announced an annual dividend of IDR 349.4134 per share, with ex date on March 25, 2026, record date on March 26, 2026, and payment date on April 7, 2026 (company announcement).Narrative Update • Mar 16
BBNI: Dividend And Buyback Program Will Support Fair Value Reassessment
Analysts have nudged their price target for Bank Negara Indonesia (Persero) higher from IDR 4,979.85 to IDR 5,029.14, reflecting updated views on fair value, a slightly lower discount rate, modestly adjusted revenue growth assumptions, firmer profit margin expectations, and a small change in the future P/E estimate. What's in the News PT Bank Negara Indonesia (Persero) Tbk announced an annual dividend of IDR 349.4134 per share, with an ex date of March 25, 2026, a record date of March 26, 2026, and a payment date of April 7, 2026 (Key Developments).Narrative Update • Mar 02
BBNI: Share Buyback Commitment Will Support Stronger Future Share Price Performance
Analysts are maintaining their fair value estimate for Bank Negara Indonesia (Persero) at IDR 5,700. Updated assumptions now incorporate a lower discount rate and a slightly higher future P/E multiple to reflect refined views on growth, profitability and risk.
Narrative Update • Feb 16
BBNI: Higher Revenue Assumptions Will Mask Pressure From Lower Profit Margins
Analysts have lifted their price target for Bank Negara Indonesia (Persero) from IDR 3,804 to IDR 4,012 as they factor in updated assumptions that include a different mix of projected revenue growth, profit margin and future P/E. Valuation Changes Fair Value: IDR 3,803.66 has moved to IDR 4,011.54, indicating a slightly higher assessed value per share.Narrative Update • Feb 02
BBNI: Fair Value View Will Guide Recovery Plan And Governance Decisions
Analysts have trimmed their fair value estimate for Bank Negara Indonesia (Persero) slightly, from Rp5,004.85 to Rp4,979.85. This reflects updated assumptions on discount rate, revenue growth, profit margin, and forward P/E that remain broadly consistent with prior expectations.Narrative Update • Jan 18
BBNI: Fair Value Update Will Frame Recovery Plan And Governance Decisions
Analysts have nudged their price target for Bank Negara Indonesia (Persero) slightly higher to Rp5,004.85 from Rp4,996.85, reflecting updated assumptions for fair value, discount rate, revenue, profit margin and future P/E. What's in the News A special or extraordinary shareholders meeting is scheduled for December 15, 2025 at 14:00 SE Asia Standard Time to consider several key corporate matters.Narrative Update • Jan 04
BBNI: Governance Reforms Will Support Stronger Share Price Performance
Analysts have maintained their IDR 5,700 price target for Bank Negara Indonesia Persero, noting that a slightly higher discount rate and marginally lower profit margin forecast are broadly offset by a modest upgrade to expected revenue growth and a slightly lower future P E multiple. What's in the News A special and extraordinary shareholders meeting is scheduled on December 15, 2025, at 14:00 SE Asia Standard Time to address key corporate governance matters (Key Developments).Narrative Update • Dec 20
BBNI: Revenue Momentum And Governance Changes Will Drive Shares Higher
Analysts have trimmed their price target for Bank Negara Indonesia (Persero) from IDR 6,000 to IDR 5,700, reflecting a slightly lower profit margin outlook and valuation multiple, partly offset by improved assumptions for revenue growth and a modestly reduced discount rate. What's in the News Bank Negara Indonesia (Persero) has scheduled a Special or Extraordinary Shareholders Meeting for December 15, 2025, at 14:00 SE Asia Standard Time to address several strategic corporate matters (company disclosure).Narrative Update • Dec 06
BBNI: Government Liquidity Injection Will Drive Lower Funding Costs And Stronger Earnings
Analysts have slightly lowered their price target for Bank Negara Indonesia (Persero) from IDR 5,031.85 to IDR 4,996.85, reflecting modestly softer fair value and profit margin assumptions, even as they highlight potential benefits from the government's planned liquidity injection into the banking system. Analyst Commentary Analyst views on Bank Negara Indonesia (Persero) have turned more constructive following the recent upgrade and fresh target price, with sentiment anchored on the earnings and capital implications of the planned liquidity support measures.Narrative Update • Nov 22
BBNI: Government Liquidity Injection Will Support Funding Stability And Earnings Momentum
Analysts have slightly lowered their price target for Bank Negara Indonesia (Persero) from IDR 5,043 to IDR 5,032, citing expectations of improved banking sector liquidity following recent government policy measures. Analyst Commentary Bullish Takeaways Bullish analysts highlight that the government's recent liquidity injection into deposits is expected to ease funding pressures, supporting the overall banking system and Bank Negara Indonesia's financial stability.Narrative Update • Nov 07
BBNI: Liquidity Injection Will Strengthen Funding Profile and Earnings Outlook
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.Narrative Update • Oct 24
Liquidity Support Measures Will Guide Next Phase Of Banking Sector Recovery
Analysts have modestly reduced their price target for Bank Negara Indonesia (Persero) from IDR 5,119 to IDR 5,067, citing anticipated liquidity improvements resulting from recent government measures that support the banking sector. Analyst Commentary Recent analyst reports have highlighted both opportunities and ongoing risks for Bank Negara Indonesia (Persero) following the government’s measures aimed at enhancing sector liquidity.Narrative Update • Sep 04
Indonesia Digital Trends And Green Bonds Will Reshape Future Lending
With both consensus revenue growth and future P/E forecasts for Bank Negara Indonesia (Persero) remaining stable, analysts have left their fair value price target effectively unchanged at IDR5119. Valuation Changes Summary of Valuation Changes for Bank Negara Indonesia (Persero) The Consensus Analyst Price Target remained effectively unchanged, at IDR5119.
New Narrative • Nov 13
BNI's Retail Transformation And Digital Innovation To Drive Growth Amidst Indonesia's Economic Expansion
Government initiatives to boost economic growth and infrastructure may create new business opportunities for BNI, driving loan demand and revenue growth.Shareholder Returns
| BBNI | ID Banks | ID Market | |
|---|---|---|---|
| 7D | -10.9% | -4.8% | -1.6% |
| 1Y | -22.6% | -24.9% | -18.6% |
Return vs Industry: BBNI exceeded the ID Banks industry which returned -24.9% over the past year.
Return vs Market: BBNI underperformed the ID Market which returned -18.6% over the past year.
Price Volatility
| BBNI volatility | |
|---|---|
| BBNI Average Weekly Movement | 5.5% |
| Banks Industry Average Movement | 5.1% |
| Market Average Movement | 8.0% |
| 10% most volatile stocks in ID Market | 15.6% |
| 10% least volatile stocks in ID Market | 4.1% |
Stable Share Price: BBNI has not had significant price volatility in the past 3 months compared to the ID market.
Volatility Over Time: BBNI's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1946 | 27,651 | Putrama Setyawan | www.bni.co.id |
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.
PT Bank Negara Indonesia (Persero) Tbk Fundamentals Summary
| BBNI fundamental statistics | |
|---|---|
| Market cap | Rp133.01t |
| Earnings (TTM) | Rp20.32t |
| Revenue (TTM) | Rp50.76t |
6.3x
P/E Ratio0.8x
P/B RatioIs BBNI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BBNI income statement (TTM) | |
|---|---|
| Revenue | Rp50.76t |
| Cost of Revenue | Rp675.17b |
| Gross Profit | Rp50.09t |
| Other Expenses | Rp29.77t |
| Earnings | Rp20.32t |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 545.43 |
| Gross Margin | 98.67% |
| Net Profit Margin | 40.03% |
| Debt/Equity Ratio | 47.7% |
How did BBNI perform over the long term?
See historical performance and comparisonDividends
10.9%
Current Dividend Yield69%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/04 21:38 |
| End of Day Share Price | 2026/06/04 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
PT Bank Negara Indonesia (Persero) Tbk is covered by 33 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Angus Mackintosh | Aletheia Analyst Network Limited |
| Anish Tawakley | Barclays |
| Sukriti Bansal | BofA Global Research |