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Bank Tabungan Negara Persero

Bank Tabungan Negara Persero

BBTN · JK · Financial Services / Banks - Regional

1,000.00IDR+25.00 (+2.56%)

Price History

Full chart

Market Stats

Previous Close975.00
Open975.00
Day Range970.00 – 1,010.00
52-Week Range1,040.00 – 1,505.00
Volume21.82M
Market Cap14.95T
P/E (TTM)3.57
Forward P/E3.71
EPS298.04
Dividend Yield0.00%
Beta0.35
50-Day Avg1,192.70
200-Day Avg1,244.13

About

PT Bank Tabungan Negara (Persero) Tbk provides various banking products and services in Indonesia. The company offers savings, current, demand, and deposit accounts; and consumer and commercial loans. It also provides fund transfer transaction, safety deposit box, and other services. It operates through ATMs and branches. The company was formerly known as Bank Tabungan Pos and changed its name to PT Bank Tabungan Negara (Persero) Tbk in 1963. PT Bank Tabungan Negara (Persero) Tbk was founded in 1950 and is headquartered in Jakarta, Indonesia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Nixon Lambok Pahotan Napitupulu
  • Employees13.33K
  • HeadquartersJl. Gajah Mada No. 1, Jakarta, Indonesia, 10130, Indonesia
  • Websitehttps://www.btn.co.id

Leadership

  • Mr. Nixon Lambok Pahotan NapitupuluPresident Director · b. 1969
  • Mr. Nofry Rony PoetraDirector of Finance & Strategy and Director · b. 1968
  • I Nyoman Sugiri YasaDirector of Operations & Director · b. 1977
  • Mr. Rudolf Valentino SaragihSenior VP and Head of Finance & Accounting Division · b. 1968
  • Mr. Eko WaluyoDirector of Human Capital, Compliance & Legal and Director · b. 1971
  • Ms. Triani Pudji AstutiVP & Head of Commercial Banking Division · b. 1975
  • Ms. D. Adee IndrianaVP and Head of Operations & Business Support Division · b. 1973
  • Mr. Beki KanuwaService Quality & Distribution Division Head and Head of Retail Credit Risk Division · b. 1973
  • Mr. Erwin Dwi KusumaSenior VP & Head of Transformation Partnership Management · b. 1980
  • Ms. Dewi FitrianingrumExecutive VP & Head of Regional Office II (Jakarta) · b. 1967

Financials

Income Statement

Currency: IDR2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue2.97T3.76T3.37T3.11T3.16T4.32T4.07T4.71T5.99T6.97T7.94T9.22T11.15T13.44T15.78T18.16T20.64T23.70T26.20T25.90T26.78T26.26T29.69T30.76T39.43T
Growth (%)-+26.62%-10.52%-7.81%+1.83%+36.72%-5.79%+15.71%+27.21%+16.19%+14.03%+16.06%+20.91%+20.58%+17.42%+15.05%+13.69%+14.81%+10.55%-1.15%+3.39%-1.93%+13.08%+3.59%+28.17%
Cost of Revenue----1.69T2.54T2.17T2.60T3.43T3.14T3.77T4.09T5.12T7.33T8.14T8.96T9.92T11.76T15.33T14.83T11.85T10.04T13.41T16.11T23.31T
Gross Profit----1.47T1.79T1.90T2.11T2.57T3.82T4.18T5.13T6.02T6.11T7.64T9.19T10.72T11.94T10.87T11.06T14.93T16.22T16.29T14.65T16.12T
Gross Margin----46.44%41.35%46.65%44.83%42.82%54.86%52.59%55.68%54.05%45.44%48.39%50.64%51.95%50.39%41.51%42.72%55.75%61.78%54.85%47.62%40.88%
Operating Expense----1.02T1.24T1.30T1.45T1.82T2.57T2.65T3.27T3.88T4.53T5.10T5.86T6.86T8.33T10.46T8.79T11.93T12.35T11.91T10.87T11.74T
Operating Income2.72T3.36T2.66T2.00T452.31B543.22B601.64B665.53B745.82B1.25T1.52T1.86T2.14T1.58T2.54T3.33T3.86T3.61T411.06B2.27T2.99T3.88T4.38T3.77T4.38T
Operating Margin91.59%89.13%78.97%64.30%14.30%12.56%14.77%14.12%12.44%17.95%19.17%20.21%19.21%11.75%16.11%18.34%18.71%15.23%1.57%8.77%11.18%14.76%14.75%12.26%11.11%
EBITDA----452.31B543.22B601.64B665.53B745.82B1.25T1.73T2.13T2.42T1.81T2.74T3.55T4.08T3.87T725.29B2.80T3.55T4.50T5.10T4.50T5.16T
EBITDA Margin----14.30%12.56%14.77%14.12%12.44%17.95%21.83%23.10%21.71%13.43%17.35%19.55%19.75%16.35%2.77%10.81%13.26%17.15%17.16%14.64%13.08%
Net Income----436.70B364.67B402.02B430.47B490.45B915.94B1.12T1.36T1.56T1.15T1.85T2.62T3.03T2.81T209.26B1.60T2.38T3.05T3.50T3.01T3.50T
Net Income Margin----13.81%8.43%9.87%9.13%8.18%13.15%14.08%14.80%14.02%8.52%11.73%14.42%14.67%11.85%0.80%6.19%8.87%11.60%11.79%9.78%8.88%
Interest Expense00001.69T2.54T2.17T2.60T3.43T3.14T3.77T4.09T5.12T7.33T8.14T8.96T9.92T11.76T15.33T14.83T11.85T10.04T13.41T16.11T18.12T
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%53.56%58.65%53.35%55.17%57.18%45.14%47.41%44.32%45.95%54.56%51.61%49.36%48.05%49.61%58.49%57.28%44.25%38.22%45.15%52.38%45.96%

Balance Sheet

Currency: IDR2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets26.51T27.07T26.81T26.74T29.08T32.58T36.69T44.99T58.45T68.39T89.12T111.75T131.17T144.58T171.81T214.17T261.37T306.44T311.78T361.21T371.87T402.15T438.75T469.61T527.79T
Total Liabilities25.68T26.18T25.90T25.53T27.60T30.82T33.91T41.91T53.05T61.94T81.80T101.47T119.61T132.37T157.95T195.04T239.70T282.60T287.94T341.22T350.46T376.24T408.27T437.04T491.58T
Total Equity830.46B893.68B903.37B1.21T1.48T1.76T2.79T3.08T5.39T6.45T7.32T10.28T11.56T12.21T13.86T19.13T21.66T23.84T23.84T19.99T21.41T25.91T30.48T32.57T36.21T
Cash1.10T88.60B88.26B77.03B2.01T2.49T2.32T2.18T3.30T7.02T15.76T19.62T16.02T12.88T20.21T29.61T38.84T44.71T28.73T35.58T41.23T41.52T53.04T35.46T51.40T
Total Debt----6.27T7.10T7.11T6.03T6.21T11.56T11.13T13.87T15.91T15.52T22.77T24.90T34.31T43.67T59.01T52.84T43.32T42.94T51.33T48.90T48.22T
Net Debt----4.27T4.60T4.79T3.85T2.91T4.54T-4.63T-5.75T-112.95B2.64T10.52B-6.69T-7.37T-5.57T19.52T14.44T2.09T1.27T-1.70T14.70T-3.18T

Cash Flow

Currency: IDR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow100.37B-540.37B248.40B-167.74B1.46T-2.83T4.85T1.84T-1.33T-2.05T1.71T9.78T299.69B-2.41T-14.83T26.66T9.55T1.27T6.63T-8.76T9.54T
Investing Cash Flow-718.44B179.15B-150.74B-37.78B-3.02T2.98T-341.25B-383.67B-2.23T-3.33T2.64T-1.97T832.61B1.69T-7.08T-23.73T3.83T-2.40T-4.44T-5.31T-44.93T
Financing Cash Flow948.62B657.30B-38.12B5.50B3.73T1.09T4.38T2.18T2.19T301.46B2.83T1.59T8.10T6.60T8.44T455.92B-6.79T1.43T9.32T-3.52T51.33T
Capital Expenditure64.02B66.92B54.67B134.50B347.64B335.55B298.70B352.26B219.36B191.40B262.52B285.60B396.71B526.74B366.56B798.09B415.47B1.04T2.31T1.63T1.87T
Free Cash Flow36.35B-607.29B193.72B-302.24B1.11T-3.17T4.56T1.49T-1.55T-2.24T1.45T9.50T-97.02B-2.94T-15.19T25.86T9.14T222.61B4.32T-10.39T7.66T
Dividends Paid101.68B163.28B51.05B33.04B55.96B-306.84B262.88B409.19B468.65B223.12B370.18B523.78B605.49B561.59B20.93B237.62B237.62B609.01B700.20B751.83B
FCF to OCF36.22%112.38%77.99%180.19%76.17%111.84%93.85%80.91%116.53%109.34%84.63%97.08%-32.37%121.85%102.47%97.01%95.65%17.60%65.13%118.67%80.35%
Dividend Paid to FCF279.74%-26.89%26.35%-10.93%5.04%-6.74%17.61%-26.45%-20.92%15.44%3.90%-539.86%-20.61%-3.70%0.08%2.60%106.75%14.09%-6.74%9.81%

Earnings

Report DateJun 2, 2010Sep 1, 2010Dec 1, 2010Mar 2, 2011May 2, 2011Aug 31, 2011Nov 30, 2011Feb 29, 2012Apr 25, 2012Jul 31, 2012Oct 18, 2012Feb 28, 2013May 29, 2013Jul 24, 2013Oct 28, 2013Feb 10, 2014Apr 30, 2014Sep 3, 2014Oct 28, 2014Feb 28, 2015Apr 28, 2015Jul 28, 2015Oct 27, 2015Feb 5, 2016Apr 25, 2016Jul 26, 2016Oct 25, 2016Feb 14, 2017Apr 18, 2017Jul 25, 2017Oct 24, 2017Feb 14, 2018Apr 19, 2018Jul 18, 2018Oct 24, 2018Mar 29, 2019Apr 23, 2019Jul 29, 2019Nov 15, 2019Feb 14, 2020May 16, 2020Aug 3, 2020Oct 23, 2020Feb 15, 2021Apr 23, 2021Jul 28, 2021Oct 20, 2021Feb 8, 2022Apr 22, 2022Sep 16, 2022Oct 27, 2022Feb 20, 2023Apr 27, 2023Jul 21, 2023
EPS Estimate----26.51---32.68-38.0036.48-40.5637.3946.6141.35-34.6231.8732.2937.4637.2940.9949.0247.5856.9357.6064.2167.5171.5286.5379.0382.4776.4782.7374.7778.02-17.33-19.9742.9923.0633.2934.7948.4154.7857.0657.38--55.3255.3255.3255.32
EPS Actual19.9821.5721.9832.4428.0024.1024.1042.6335.0036.1541.0032.0030.7232.0029.0048.0032.0018.0421.0034.0038.0041.0037.0059.0046.0052.0055.0094.2056.0064.0069.0097.0065.0069.0077.0054.0068.0055.00-47.00-56.0043.0029.0034.0045.0056.8928.0056.0081.0070.3963.4273.1978.3878.3878.38
Surprise----5.62%---7.10%-7.89%-12.28%--21.10%-22.44%2.98%-22.61%--39.34%6.68%17.68%9.45%-0.78%43.94%-6.16%9.29%-3.39%63.54%-12.79%-5.20%-3.52%12.10%-17.75%-16.33%0.69%-34.73%-9.05%-29.51%-171.21%-180.42%0.02%25.76%2.13%29.35%17.52%-48.89%-1.86%41.16%--32.30%41.68%41.68%41.68%
Timing----Pre-market---Pre-market-Pre-marketPre-market-Pre-marketAfter-hoursPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap14.95T
Enterprise Value59.87T
Trailing P/E3.57
Forward P/E3.71
PEG Ratio0.39
Price / Sales0.85
Price / Book0.43
EPS298.04
Book Value2,676.11
Revenue (TTM)17.54T
Gross Profit (TTM)16.11T
Profit Margin23.92%
Operating Margin47.97%
Return on Equity11.74%
Return on Assets0.82%
Shares Outstanding14.03B
Shares Float5.09B
Beta0.35
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20251×
53.57Apr 15, 2025
20241×
49.89Mar 19, 2024
20231×
43.39Mar 29, 2023
20221×
19.93Mar 14, 2022
20201×
1.76Mar 23, 2020
20191×
47.11May 28, 2019
20181×
50.80Apr 3, 2018
20171×
43.94Mar 27, 2017
20161×
31.05Apr 20, 2016
20151×
18.76Apr 1, 2015
20141×
39.41Mar 19, 2014
20131×
34.42Apr 29, 2013
20121×
21.62May 11, 2012
20111×
26.64Jun 13, 2011
20101×
12.89Jun 11, 2010