Bank Tabungan Negara (Persero) Tbk PT
IDX:BBTN

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Bank Tabungan Negara (Persero) Tbk PT
IDX:BBTN
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Price: 1 130 IDR Market Closed
Market Cap: 15.7T IDR
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Net Margin
Bank Tabungan Negara (Persero) Tbk PT

22.1%
Current
18%
Average
22.9%
Industry

Net Margin measures how much net income is generated as a percentage of revenues received. It helps investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Net Margin
22.1%
=
Net Income
3.5T
/
Revenue
16T

Net Margin Across Competitors

Country ID
Market Cap 15.9T IDR
Net Margin
22%
Country US
Market Cap 76.7B USD
Net Margin
22%
Country US
Market Cap 58B USD
Net Margin
-14%
Country US
Market Cap 31.4B USD
Net Margin
25%
Country US
Market Cap 30.2B USD
Net Margin
26%
Country US
Market Cap 29B USD
Net Margin
24%
Country CN
Market Cap 178.2B CNY
Net Margin
32%
Country US
Market Cap 23.8B USD
Net Margin
21%
Country US
Market Cap 21.6B USD
Net Margin
23%
Country CN
Market Cap 158.6B CNY
Net Margin
38%
Country US
Market Cap 19.4B USD
Net Margin
15%
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Bank Tabungan Negara (Persero) Tbk PT
Glance View

Market Cap
15.9T IDR
Industry
Banking

Bank Tabungan Negara (Persero) Tbk PT, often referred to as BTN, has carved a niche for itself in Indonesia’s vast financial landscape, predominantly by serving as the backbone of the nation’s housing finance. The bank’s origins date back to 1897, and it has evolved to become a critical enabler of homeownership for Indonesians. Specializing in mortgage lending, BTN’s primary business revolves around the provision of a wide array of housing loans, which constitute the core part of its revenue generation. The bank benefits from the rising demand for homeownership fueled by Indonesia's burgeoning middle class and a government keen on promoting affordable housing. BTN’s close collaboration with the Indonesian government underpins its strategic focus, allowing it to play a major role in the country’s housing programs. While mortgages form the crux of BTN's operations, it is also diversifying its portfolio to bolster its revenue streams. The bank offers various consumer banking services, including savings accounts, time deposits, and personal loans. Additionally, BTN is investing in digital banking solutions to enhance its service offerings and reach a broader customer base, thus increasing operational efficiency and customer engagement. This multi-pronged approach allows BTN to maintain a steady growth trajectory, balancing its traditional strengths with innovative financial solutions. By embracing technology, BTN is not only ensuring smoother banking experiences for its customers but also safeguarding its competitive position in an ever-evolving financial market. Through this blend of focused mortgage services and strategic expansion, BTN continues to consolidate its status as a pivotal player in Indonesia’s banking industry.

BBTN Intrinsic Value
3 227.79 IDR
Undervaluation 65%
Intrinsic Value
Price

See Also

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What is Net Margin?

Net Margin measures how much net income is generated as a percentage of revenues received. It helps investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Net Margin
22.1%
=
Net Income
3.5T
/
Revenue
16T
What is the Net Margin of Bank Tabungan Negara (Persero) Tbk PT?

Based on Bank Tabungan Negara (Persero) Tbk PT's most recent financial statements, the company has Net Margin of 22.1%.