Bank Negara Indonesia (Persero) Tbk PT
IDX:BBNI
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Intrinsic Value
The intrinsic value of one BBNI stock under the Base Case scenario is 7 415.39 IDR. Compared to the current market price of 4 930 IDR, Bank Negara Indonesia (Persero) Tbk PT is Undervalued by 34%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
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Bank Negara Indonesia (Persero) Tbk PT
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Fundamental Analysis
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Bank Negara Indonesia (Persero) Tbk PT, often referred to as BNI, is a prominent player in Indonesia's banking industry, having been established in 1946. As one of the oldest state-owned banks in the country, BNI serves as a cornerstone of Indonesia's financial system. The bank has steadily positions itself as a key facilitator of economic growth, offering a comprehensive range of financial services, including retail banking, corporate banking, and international banking. With a robust network of branches both domestically and internationally, BNI aims to enhance financial inclusion across Indonesia, catering to diverse customer segments—from individual clients and small businesses to large c...
Bank Negara Indonesia (Persero) Tbk PT, often referred to as BNI, is a prominent player in Indonesia's banking industry, having been established in 1946. As one of the oldest state-owned banks in the country, BNI serves as a cornerstone of Indonesia's financial system. The bank has steadily positions itself as a key facilitator of economic growth, offering a comprehensive range of financial services, including retail banking, corporate banking, and international banking. With a robust network of branches both domestically and internationally, BNI aims to enhance financial inclusion across Indonesia, catering to diverse customer segments—from individual clients and small businesses to large corporations. Its commitment to digital transformation is evident in its investment in technology and innovation, allowing it to offer seamless and customer-centric banking experiences, thereby staying relevant in a rapidly changing financial landscape.
For investors, BNI stands out not only due to its rich legacy but also its solid financial performance and strategic growth initiatives. The bank has demonstrated resilience in navigating economic challenges, showcasing a healthy capital position and continuous improvements in asset quality. With a strong focus on sustainable growth, BNI is expanding its presence in underbanked markets and leveraging digital platforms to enhance operational efficiency and customer engagement. The bank's strategic initiatives align with Indonesia's economic development goals, positioning it favorably to capitalize on emerging opportunities. As a result, investing in BNI presents a compelling option for those looking to tap into the growth potential of Indonesia’s banking sector while benefiting from the stability and resources of a state-owned enterprise with a long-standing reputation.
Bank Negara Indonesia (Persero) Tbk PT, commonly known as BNI, is one of Indonesia's largest state-owned banks and plays a significant role in the country's banking and financial services landscape. Its core business segments can be broadly classified as follows:
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Corporate Banking:
- BNI provides a range of financial services to large corporations and enterprises, including credit facilities, investment banking services, treasury and cash management, trade finance, and syndication loans. The bank focuses on maintaining strong relationships with major sectors such as manufacturing, trading, and infrastructure.
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Consumer Banking:
- This segment caters to individual customers and small to medium-sized enterprises (SMEs). BNI offers retail banking services such as savings accounts, time deposits, personal loans, credit cards, mortgages, and auto loans. The consumer banking division aims to provide accessible financial services and products to meet the varying needs of individual clients.
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Treasury and Financial Markets:
- BNI engages in activities related to treasury management, foreign exchange, and investment services. This segment deals with the management of the bank's liquidity, balance sheet, and investment portfolio, along with providing hedging solutions and financial market products to clients.
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International Banking:
- The bank has a strong international presence, offering services to Indonesian clients abroad, expatriates, and foreign entities. This includes cross-border financing, remittances, trade financing, and other banking services tailored for international business operations.
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Investment Banking:
- This area includes services related to capital market advisory, underwriting, and mergers & acquisitions (M&A). BNI assists companies in raising capital through equity and debt offerings, in addition to providing strategic advisory services.
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Digital Banking:
- In response to the growing trend towards digitalization, BNI has invested in digital banking services, providing online banking solutions, mobile banking apps, and enhanced digital payment systems to improve customer convenience and engagement.
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Islamic Banking:
- BNI Syariah, the bank’s Islamic banking subsidiary, offers Sharia-compliant financial products and services, catering to customers looking for conventional and Islamic banking solutions.
These core business segments allow BNI to maintain a diversified portfolio and address a wide range of customer needs, positioning it as a key player in Indonesia’s banking industry. The bank's strategies often emphasize sustainable growth, customer-centric services, and technological advancements to keep pace with market trends.
Bank Negara Indonesia (Persero) Tbk PT (BNI) possesses several unique competitive advantages over its rivals in the banking sector. Here are some of the key factors that contribute to its competitive edge:
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State Ownership and Support: As a state-owned enterprise, BNI benefits from strong governmental backing, which can enhance its credibility and stability. This support can be critical during economic downturns, providing a safety net that private banks may not have.
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Extensive Network: BNI has one of the largest banking networks in Indonesia, with branches and ATMs spread across the country and abroad. This extensive presence allows BNI to reach diverse customer segments, including those in rural areas who may have limited access to banking services.
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Robust Infrastructure and Technology: BNI has made significant investments in technology and digital banking infrastructure. This enables the bank to offer advanced banking services, including online and mobile banking, which enhance customer experience and operational efficiency.
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Diverse Product Offerings: BNI provides a wide array of financial products and services, including retail banking, corporate banking, microfinance, and investment banking. This diversification allows the bank to cater to various customer needs and reduces reliance on any single revenue stream.
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Established Brand and Reputation: With a long history dating back to 1946, BNI has built a strong brand and reputation in Indonesia. This legacy provides consumer confidence and loyalty, which can be advantageous when competing for market share.
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Focus on SME Financing: BNI has a strong commitment to supporting small and medium enterprises (SMEs), which are crucial to the Indonesian economy. By focusing on this segment, BNI can tap into a growing market and establish long-term customer relationships.
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Strategic Partnerships: BNI has formed strategic partnerships with various organizations, including technology companies and government agencies, enhancing its service offerings and expanding its customer base.
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Risk Management and Compliance: As a state-owned entity, BNI adheres to strict regulatory standards, which helps in risk management and compliance. This aspect can provide clients with a sense of security and reliability compared to some competitors.
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International Presence: BNI has expanded its operations internationally, which allows it to serve Indonesian citizens abroad and engage in foreign transactions seamlessly, thus tapping into the diasporic market.
These competitive advantages position Bank Negara Indonesia (Persero) Tbk PT favorably against its rivals, allowing it to leverage its strengths to capture market opportunities effectively.
Bank Negara Indonesia (Persero) Tbk PT (BNI) faces several risks and challenges in the near future, reflecting the complexities of the banking sector and the broader economic environment. Here are some key risks and challenges:
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Economic Volatility:
- Economic fluctuations, including changes in GDP growth, inflation rates, and foreign exchange rates, can impact BNI's loan demand and asset quality.
- A potential global recession or slowing domestic growth can lead to higher default rates on loans.
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Regulatory Changes:
- The banking sector is subject to stringent regulations. Changes in monetary policy, compliance requirements, or capital adequacy norms could pose challenges to BNI’s operations and profitability.
- Stricter regulations on lending practices can limit growth prospects.
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Technological Disruption:
- The rise of fintech companies poses a competitive threat to traditional banks like BNI. Inaction in adopting advanced digital banking solutions could result in losing market share.
- Cybersecurity risks are increasing; vulnerabilities could lead to data breaches and loss of customer trust.
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Credit Risk:
- A significant portion of BNI's portfolio may be exposed to credit risk. Economic downturns or sector-specific issues (e.g., commodities, real estate) can lead to increased non-performing loans.
- Proper risk assessment and management remain crucial to mitigate these risks.
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Interest Rate Risks:
- Fluctuations in interest rates can impact BNI's net interest margin. A rapidly rising interest rate environment could pressure borrowers, affecting their repayment capabilities.
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Competitive Pressure:
- Increased competition from both traditional banks and non-bank financial institutions can erode market share and profitability.
- BNI must continuously innovate and enhance customer experience to maintain its competitive edge.
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Geopolitical Risks:
- Regional instability and geopolitical tensions can affect investor confidence and economic stability, impacting banks financially.
- Trade policies and international relations also play a pivotal role in BNI’s operations, especially if they impact foreign investment and remittances.
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Environmental, Social, and Governance (ESG) Pressures:
- As stakeholders increasingly focus on ESG issues, BNI may face pressures to align its practices with sustainable finance principles, which can incur additional costs and adjustments.
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Human Capital Challenges:
- Attracting and retaining talent in a competitive environment is crucial for BNI’s innovation and operational efficiency. Upskilling staff to adapt to digital banking trends is also essential.
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Public Health Concerns:
- Ongoing repercussions of the COVID-19 pandemic can affect economic activity and customer behavior, impacting bank performance.
By addressing these risks comprehensively, BNI can position itself better to navigate the complex banking landscape in Indonesia and the broader Southeast Asian region.
Balance Sheet Decomposition
Bank Negara Indonesia (Persero) Tbk PT
Net Loans | 684.5T |
Investments | 247.7T |
PP&E | 27.7T |
Intangibles | 743.9B |
Other Assets | 111.8T |
Total Deposits | 790.5T |
Short Term Debt | 14.1T |
Long Term Debt | 65.3T |
Other Liabilities | 53.1T |
Wall St
Price Targets
BBNI Price Targets Summary
Bank Negara Indonesia (Persero) Tbk PT
According to Wall Street analysts, the average 1-year price target for BBNI is 6 602.46 IDR with a low forecast of 5 883.25 IDR and a high forecast of 7 980 IDR.
Dividends
Current shareholder yield for BBNI is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Profile
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Description
PT Bank Negara Indonesia (Persero) Tbk engages in the provision of general banking services. The company is headquartered in Jakarta, Dki Jakarta and currently employs 25,082 full-time employees. The Bank's segments include Corporate, Middle and Small, Consumer, Treasury and Financial Institution, Head Office, and Subsidiaries. Its Corporate includes loans, deposits and other transactions and balances with corporate customers including state-owned enterprise. Middle and Small includes loans, deposits and other transactions and balances with small to middle size customers. Its Consumer includes consumer loan such as housing loans, credit cards and other transactions with consumer loans. Its treasury activities including foreign exchange, money market, capital market and fixed income, also including international banking and overseas branch. Its subsidiaries include PT BNI Life Insurance, PT BNI Multifinance, PT BNI Sekuritas, and PT Bank BNI Syariah.
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The intrinsic value of one BBNI stock under the Base Case scenario is 7 415.39 IDR.
Compared to the current market price of 4 930 IDR, Bank Negara Indonesia (Persero) Tbk PT is Undervalued by 34%.