Bank Net Indonesia Syariah Tbk PT (BANK) - Net Assets
Based on the latest financial reports, Bank Net Indonesia Syariah Tbk PT (BANK) has net assets worth Rp3.31 Trillion IDR (≈ $193.85 Million USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rp15.14 Trillion ≈ $887.26 Million USD) and total liabilities (Rp11.83 Trillion ≈ $693.41 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check BANK PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rp3.31 Trillion |
| % of Total Assets | 21.85% |
| Annual Growth Rate | 10.01% |
| 5-Year Change | 53.28% |
| 10-Year Change | 455.33% |
| Growth Volatility | 78.14 |
Bank Net Indonesia Syariah Tbk PT - Net Assets Trend (2012–2025)
This chart illustrates how Bank Net Indonesia Syariah Tbk PT's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see market cap of Bank Net Indonesia Syariah Tbk PT.
Annual Net Assets for Bank Net Indonesia Syariah Tbk PT (2012–2025)
The table below shows the annual net assets of Bank Net Indonesia Syariah Tbk PT from 2012 to 2025. Also explore Bank Net Indonesia Syariah Tbk PT (BANK) equity growth momentum to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Rp3.29 Trillion ≈ $192.67 Million |
+4.77% |
| 2024-12-31 | Rp3.14 Trillion ≈ $183.91 Million |
+1.73% |
| 2023-12-31 | Rp3.09 Trillion ≈ $180.78 Million |
-23.36% |
| 2022-12-31 | Rp4.03 Trillion ≈ $235.89 Million |
+87.66% |
| 2021-12-31 | Rp2.15 Trillion ≈ $125.70 Million |
+234.53% |
| 2020-12-31 | Rp641.27 Billion ≈ $37.58 Million |
+7.65% |
| 2019-12-31 | Rp595.72 Billion ≈ $34.91 Million |
+12.34% |
| 2018-12-31 | Rp530.26 Billion ≈ $31.07 Million |
-9.15% |
| 2017-12-31 | Rp583.65 Billion ≈ $34.20 Million |
-1.43% |
| 2016-12-31 | Rp592.11 Billion ≈ $34.70 Million |
-21.53% |
| 2015-12-31 | Rp754.61 Billion ≈ $44.22 Million |
-69.10% |
| 2014-12-31 | Rp2.44 Trillion ≈ $143.09 Million |
+146.12% |
| 2013-12-31 | Rp992.22 Billion ≈ $58.14 Million |
+4.35% |
| 2012-12-31 | Rp950.85 Billion ≈ $55.72 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Bank Net Indonesia Syariah Tbk PT's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 643.3% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | Rp1.39 Trillion | 42.33% |
| Other Comprehensive Income | Rp1.65 Trillion | 50.04% |
| Other Components | Rp965.67 Billion | 29.37% |
| Total Equity | Rp3.29 Trillion | 100.00% |
Bank Net Indonesia Syariah Tbk PT Competitors by Market Cap
The table below lists competitors of Bank Net Indonesia Syariah Tbk PT ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Dentium
KO:145720
|
$217.99 Million |
|
Arman Financial Services Limited
NSE:ARMANFIN
|
$218.11 Million |
|
Vestland Berhad
KLSE:0273
|
$218.12 Million |
|
Tunas Baru Lampung Tbk
JK:TBLA
|
$218.13 Million |
|
Eastern Water Resources Development and Management Public Company Limited
F:7ES1
|
$217.95 Million |
|
TuanChe ADR
NASDAQ:TC
|
$217.88 Million |
|
VS Industry Bhd
KLSE:6963
|
$217.74 Million |
|
Prodware
PA:ALPRO
|
$217.71 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Net Indonesia Syariah Tbk PT's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,138,593,000,000 to 3,288,169,000,000, a change of 149,576,000,000 (4.8%).
- Net income of 150,709,000,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 1,135,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rp150.71 Billion | +4.58% |
| Other Comprehensive Income | Rp-1.14 Billion | -0.03% |
| Other Changes | Rp2.00 Million | +0.0% |
| Total Change | Rp- | 4.77% |
Book Value vs Market Value Analysis
This analysis compares Bank Net Indonesia Syariah Tbk PT's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.12x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.08x to 1.12x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-12-31 | Rp127.09 | Rp264.00 | x |
| 2015-12-31 | Rp91.77 | Rp264.00 | x |
| 2016-12-31 | Rp72.27 | Rp264.00 | x |
| 2017-12-31 | Rp71.24 | Rp264.00 | x |
| 2018-12-31 | Rp36.09 | Rp264.00 | x |
| 2019-12-31 | Rp45.15 | Rp264.00 | x |
| 2020-12-31 | Rp40.10 | Rp264.00 | x |
| 2021-12-31 | Rp81.83 | Rp264.00 | x |
| 2022-12-31 | Rp232.06 | Rp264.00 | x |
| 2023-12-31 | Rp223.35 | Rp264.00 | x |
| 2024-12-31 | Rp225.50 | Rp264.00 | x |
| 2025-12-31 | Rp236.24 | Rp264.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Net Indonesia Syariah Tbk PT utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.58%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.04%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 4.39x
- Recent ROE (4.58%) is above the historical average (-5.14%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 4.24% | 39.39% | 0.05x | 2.17x | Rp-54.73 Billion |
| 2013 | 4.17% | 29.51% | 0.06x | 2.32x | Rp-57.85 Billion |
| 2014 | 5.33% | 41.90% | 0.05x | 2.34x | Rp-48.96 Billion |
| 2015 | -39.01% | -166.14% | 0.10x | 2.31x | Rp-369.85 Billion |
| 2016 | -27.65% | -143.94% | 0.08x | 2.27x | Rp-222.95 Billion |
| 2017 | -1.68% | -11.98% | 0.06x | 2.19x | Rp-68.15 Billion |
| 2018 | -12.21% | -120.85% | 0.08x | 1.25x | Rp-117.75 Billion |
| 2019 | 12.98% | 173.07% | 0.06x | 1.20x | Rp17.73 Billion |
| 2020 | 7.00% | 131.63% | 0.05x | 1.12x | Rp-19.26 Billion |
| 2021 | -11.59% | -363.16% | 0.02x | 2.08x | Rp-225.91 Billion |
| 2022 | -8.43% | -390.08% | 0.01x | 1.51x | Rp-579.24 Billion |
| 2023 | -7.35% | -93.22% | 0.03x | 2.30x | Rp-535.26 Billion |
| 2024 | -2.35% | -15.45% | 0.05x | 2.98x | Rp-387.59 Billion |
| 2025 | 4.58% | 19.04% | 0.05x | 4.39x | Rp-178.11 Billion |
Industry Comparison
This section compares Bank Net Indonesia Syariah Tbk PT's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $24,981,447,973,224
- Average return on equity (ROE) among peers: -8.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Net Indonesia Syariah Tbk PT (BANK) | Rp3.31 Trillion | 4.24% | 3.58x | $217.96 Million |
| Bank Rakyat Indonesia Agroniaga (AGRO) | $4.48 Trillion | 1.14% | 5.04x | $214.55 Million |
| Bank Agris Tbk (AGRS) | $465.23 Billion | 0.96% | 7.82x | $168.28 Million |
| Bank Amar Indonesia (AMAR) | $3.30 Trillion | 5.40% | 0.33x | $244.88 Million |
| Bank Artos Indonesia Tbk PT (ARTO) | $147.27 Billion | -22.63% | 4.26x | $771.61 Million |
| Bank Mnc Internasional Tbk (BABP) | $1.86 Trillion | 0.50% | 6.02x | $130.26 Million |
| Bank Capital Indonesia Tbk (BACA) | $180.93 Billion | 6.76% | 5.65x | $136.79 Million |
| Bank Central Asia Tbk (BBCA) | $202.85 Trillion | 15.50% | 5.06x | $46.22 Billion |
| Bk Harda Internasional Tbk Pt (BBHI) | $336.48 Billion | -36.60% | 5.73x | $1.14 Billion |
| Bank Bukopin Tbk (BBKP) | $11.22 Trillion | -44.82% | 7.02x | $561.42 Million |
About Bank Net Indonesia Syariah Tbk PT
PT Bank Aladin Syariah Tbk provides banking products and services to individual and business customers in Indonesia. It offers savings products, current accounts, and certificates; funding and financing products; and other banking services, including fund transfers, payments, purchases, e-wallet, cash withdrawals and deposits, and others. The company was founded in 1994 and is headquartered in Ja… Read more