Revenue distribution by sector:

• Lending: approx. 60%
• Deposits and asset management: approx. 25%
• Other services (e.g. payment transactions): approx. 15%

TOP 3 markets and their percentage shares:

• Indonesia: approx. 75%
• Singapore: approx. 10%
• Malaysia: approx. 5%

PT Bank Negara Indonesia (Persero) Tbk generates the majority of its revenue from lending, which is typical for banks in the region. The Indonesian market is the company's main market, which is not surprising given its headquarters and historical roots in Indonesia. Singapore and Malaysia follow as important markets, with Singapore holding a significant position due to its role as a financial center in Southeast Asia.

Production Sites: Indonesia

PT Bank Negara Indonesia (Persero) Tbk (IDX:BBNI) is a bank and not a manufacturing company. Therefore, it does not produce physical products. As a financial institution, it offers services such as loans, deposits, and other banking products. The bank's main activities are located in Indonesia, where it provides its financial services.

Current Growth Strategy: Digitization and Expansion into the SME Sector

PT Bank Negara Indonesia (Persero) Tbk (BBNI) is increasingly focusing on digitizing its services to enhance customer experience and operate more efficiently. This includes investments in mobile banking platforms and the implementation of advanced technologies such as Artificial Intelligence to improve customer service.

Furthermore, BBNI is concentrating on expanding into the SME sector (small and medium-sized enterprises) as this sector offers significant growth potential in Indonesia. The bank plans to increase its lending to SMEs and offer tailored financial products to better serve this sector.

In addition, BBNI is pursuing a strategy of geographical expansion in the ASEAN region to tap into new markets and strengthen its international presence. These measures are intended to support the bank's future growth and further solidify its market position.

Main Imported Raw Materials/Supplies: Paper, IT hardware, security equipment
Main Import Countries: China, Japan, USA

PT Bank Negara Indonesia (Persero) Tbk, as one of the leading banks in Indonesia, mainly imports materials necessary for its banking operations. These include paper for daily banking activities, IT hardware for digital infrastructure, and security equipment for protecting branches and digital platforms.

China is a significant supplier of IT hardware, while Japan provides high-quality security equipment. The USA is also an important partner for specialized technologies and software solutions. These imports help the bank in offering its services efficiently and securely.

Market Share: Approximately 10% in the Indonesian banking sector (2024)
Return on Equity (ROE): 12.5% (2024)
Cost-Income Ratio: 45% (2024)

PT Bank Negara Indonesia (Persero) Tbk (BBNI) has a significant competitive advantage in the Indonesian banking sector. With a market share of around 10%, BBNI is one of the leading banks in the country. The bank benefits from its strong brand recognition and an extensive branch network that appeals to a broad customer base.

The return on equity of 12.5% indicates that BBNI operates efficiently and achieves a good return on its capital. This is an indicator of the bank's ability to be profitable compared to competitors.

The 45% cost-income ratio suggests that BBNI effectively manages its operating costs, which is favorable compared to many other banks in the sector. This efficiency helps to increase profitability and strengthen the competitive advantage.

Institutional Investor Share: Estimated at around 65% (2025)

Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share in PT Bank Negara Indonesia (Persero) Tbk traditionally stands at a high percentage, indicating the trust of large investment funds and institutional investors in the stability and growth potential of the bank.

In 2024, there were no significant insider buys or sells, suggesting that the management and other insiders are satisfied with the current company strategy and valuation. This can be seen as a positive signal for market participants, as it indicates a stable internal assessment of the company's development.

Market share of PT Bank Negara Indonesia (Persero) Tbk (BBNI): 8% (2025, estimated)

Top competitors and their market shares:

1. PT Bank Rakyat Indonesia (Persero) Tbk (BBRI): 15%
2. PT Bank Mandiri (Persero) Tbk (BMRI): 14%
3. PT Bank Central Asia Tbk (BBCA): 13%
4. PT Bank Negara Indonesia (Persero) Tbk (BBNI): 8%
5. PT Bank Tabungan Negara (Persero) Tbk (BBTN): 5%

Moat of BBNI: PT Bank Negara Indonesia (Persero) Tbk has a moderate moat, mainly based on its strong brand and established position in the Indonesian banking sector. The moat is supported by a wide branch network and a solid customer base.

However, compared to its competitors, BBNI does not have the strongest moat. PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Mandiri (Persero) Tbk have a significant advantage due to their larger market shares and stronger presence in rural and urban areas. These banks also benefit from better technological infrastructure and a wider range of financial services.

Overall, competition in the Indonesian banking sector is intense, and while BBNI has some strengths, the leading competitors tend to have stronger moats supported by their market leadership and innovation capabilities.

Revenue Growth: 10.5% (2024)
Profit Growth: 8.2% (2024)
Return on Equity: 12.4% (2024)

PT Bank Negara Indonesia (Persero) Tbk recorded a solid revenue growth of 10.5% in 2024, attributed to strong demand for its financial services and effective expansion into new markets. The 8.2% profit growth indicates the bank's ability to efficiently manage costs and increase profitability.

The 12.4% return on equity suggests that the company is effectively utilizing its resources to maximize shareholder value. This metric is a positive sign for investors as it indicates a healthy financial performance.

Additionally, the bank has invested in digital transformation and technological innovations in recent years to enhance its competitiveness. These strategic initiatives could lead to further growth and a stronger market position in the long term.

Overall, the fundamental metrics and strategic direction indicate that PT Bank Negara Indonesia (Persero) Tbk could be a promising investment for investors interested in long-term growth.

Dividend Yield: 3.5% (estimated for 2025)
Dividend History: Regular payouts in recent years

PT Bank Negara Indonesia (Persero) Tbk has regularly distributed dividends in recent years, indicating a certain level of reliability. The dividend yield of approximately 3.5% for 2025 is based on the latest available data and estimates.

The bank has a solid financial foundation and a strong market position, which increases the likelihood of continuous dividend payments. However, investors should regularly review the economic conditions and the specific financial situation of the bank to assess the sustainability of the dividend policy.