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Stock Screener·Indonesia·Financial Services·BBNI.JK
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PT Bank Negara Indonesia Stocks

IDR 3650Last Updated 18.09.2026

Issuer Rating

5/7
Performance

Strong

Risk

Considerable

Recommendation

Hold

Market Cap

IDR 8.39B

IDR 3650
Key Takeaways

Risk factor

Weak & very vulnerable to price shocks

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Profitability factor

Excellent dividends

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Risks

  • Default risk
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  • Volatility
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  • Selling difficulty
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  • Stress test
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  • Country risks
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  • Other risks
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About

PT Bank Negara Indonesia (Persero) Tbk, founded in 1946 and headquartered in Jakarta Pusat, Indonesia, delivers a comprehensive array of banking and financial services. Its operations span across Indonesia, the United States, Europe, and Asia. The bank offers various deposit products including checking, savings, money market, and time deposit accounts. It extends a wide range of credit facilities, from financing residential purchases (houses, villas, apartments, condominiums, commercial-residential units, and land plots) and construction/renovation, to top-up and refinancing options, as well as pension loans. Customers benefit from modern banking conveniences such as debit and credit cards, SMS, internet, and phone banking, alongside a network of automated teller machines. The institution also provides specialized services like treasury management, transactional banking solutions (including payment, collection, liquidity, and information management), and both short-term and long-term lending (e.g., working capital, investment credit, bank guarantees, and letters of credit). Portfolio management and customer analysis services are also offered. Furthermore, BNI provides foreign exchange services, investment vehicles like government, retail, and corporate bonds, and transaction derivatives. It features BNIFX, a web-based digital platform for direct non-physical forex transactions with BNI treasury dealers, and supports local currency settlement. Its extensive trade finance offerings encompass export and import letters of credit, non-LC transactions, standby LCs, bill collection financing, open account financing, and BNI Trade Online for digital trade transaction submissions. The bank serves a diverse client base across sectors such as agriculture, telecommunications, food and beverage, energy (oil and gas), mining, chemicals, construction, electricity, wholesale, and retail. As of December 31, 2021, its extensive network included 195 domestic branches, 1,097 sub-branches, and 874 additional domestic outlets. Internationally, it maintained 5 branches in Singapore, Hong Kong, Tokyo, London, and Seoul, along with a representative office in New York.

Company Valuation

Undervalued
6/7

Based on key historical and expected multiples, the stock is undervalued relative to its peers. In particular, the stock is underpriced on P/E, undervalued on P/RIBP. E

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Target Price

Somewhat favourable
5/7

The average target price of BBNI.JK is 4418 and suggests 18.1% upside potential. Usually, this means a BUY recommendation among investment firms, or a recommendation to i

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Risks

  • Default risk
    Data is available to registered users only
  • Volatility
    Data is available to registered users only
  • Selling difficulty
    Data is available to registered users only
  • Stress test
    Data is available to registered users only
  • Country risks
    Data is available to registered users only
  • Other risks
    Data is available to registered users only
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