Bank Tabungan Negara Persero
PT Bank Tabungan Negara (Persero) Tbk provides various banking products and services in Indonesia. The company offers savings, current, demand, and deposit accounts; and consumer and commercial loans. It also provides fund transfer transaction, safety deposit box, and other services. It operates through ATMs and branches. The company was formerly known as Bank Tabungan Pos and changed its name to… Read more
Bank Tabungan Negara Persero (BBTN) - Net Assets
Latest net assets as of December 2025: Rp36.21 Trillion IDR
Based on the latest financial reports, Bank Tabungan Negara Persero (BBTN) has net assets worth Rp36.21 Trillion IDR as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rp527.79 Trillion) and total liabilities (Rp491.58 Trillion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rp36.21 Trillion |
| % of Total Assets | 6.86% |
| Annual Growth Rate | 17.03% |
| 5-Year Change | 69.15% |
| 10-Year Change | 89.28% |
| Growth Volatility | 18.96 |
Bank Tabungan Negara Persero - Net Assets Trend (2001–2025)
This chart illustrates how Bank Tabungan Negara Persero's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Bank Tabungan Negara Persero (2001–2025)
The table below shows the annual net assets of Bank Tabungan Negara Persero from 2001 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Rp36.21 Trillion | +11.17% |
| 2024-12-31 | Rp32.57 Trillion | +6.87% |
| 2023-12-31 | Rp30.48 Trillion | +17.64% |
| 2022-12-31 | Rp25.91 Trillion | +21.03% |
| 2021-12-31 | Rp21.41 Trillion | +7.10% |
| 2020-12-31 | Rp19.99 Trillion | -16.14% |
| 2019-12-31 | Rp23.84 Trillion | -0.02% |
| 2018-12-31 | Rp23.84 Trillion | +10.05% |
| 2017-12-31 | Rp21.66 Trillion | +13.24% |
| 2016-12-31 | Rp19.13 Trillion | +38.03% |
| 2015-12-31 | Rp13.86 Trillion | +13.55% |
| 2014-12-31 | Rp12.21 Trillion | +5.62% |
| 2013-12-31 | Rp11.56 Trillion | +12.43% |
| 2012-12-31 | Rp10.28 Trillion | +40.39% |
| 2011-12-31 | Rp7.32 Trillion | +13.56% |
| 2010-12-31 | Rp6.45 Trillion | +19.55% |
| 2009-12-31 | Rp5.39 Trillion | +75.19% |
| 2008-12-31 | Rp3.08 Trillion | +10.44% |
| 2007-12-31 | Rp2.79 Trillion | +58.35% |
| 2006-12-31 | Rp1.76 Trillion | +18.87% |
| 2005-12-31 | Rp1.48 Trillion | +22.16% |
| 2004-12-31 | Rp1.21 Trillion | +34.19% |
| 2003-12-31 | Rp903.37 Billion | +1.08% |
| 2002-12-31 | Rp893.68 Billion | +7.61% |
| 2001-12-31 | Rp830.46 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank Tabungan Negara Persero'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 grown by 2189539400000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rp21.90 Trillion | 60.47% |
| Common Stock | Rp7.02 Trillion | 19.38% |
| Other Components | Rp7.30 Trillion | 20.15% |
| Total Equity | Rp36.21 Trillion | 100.00% |
Bank Tabungan Negara Persero Competitors by Market Cap
The table below lists competitors of Bank Tabungan Negara Persero ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
LAMDA Development S.A.
AT:LAMDA
|
$435.82 Million |
|
Shandong Realcan Pharmaceutical Co Ltd
SHE:002589
|
$435.98 Million |
|
CHINA RISUN GROUP HD-10
F:45Y
|
$436.06 Million |
|
Three's Company Media Group Co Ltd
SHG:605168
|
$436.14 Million |
|
Cytek Biosciences Inc
NASDAQ:CTKB
|
$435.69 Million |
|
Shenzhen Sunxing Light Alloys
SHG:603978
|
$435.68 Million |
|
Rainbow Department Store Co Ltd
SHE:002419
|
$435.54 Million |
|
Beijing Vastdata Technology Co Ltd
SHG:603138
|
$435.49 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Tabungan Negara Persero's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 32,571,889,000,000 to 36,210,275,000,000, a change of 3,638,386,000,000 (11.2%).
- Net income of 3,501,154,000,000 contributed positively to equity growth.
- Dividend payments of 751,833,000,000 reduced retained earnings.
- Other comprehensive income decreased equity by 17,971,698,000,000.
- Other factors increased equity by 18,860,763,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rp3.50 Trillion | +9.67% |
| Dividends Paid | Rp751.83 Billion | -2.08% |
| Other Comprehensive Income | Rp-17.97 Trillion | -49.63% |
| Other Changes | Rp18.86 Trillion | +52.09% |
| Total Change | Rp- | 11.17% |
Book Value vs Market Value Analysis
This analysis compares Bank Tabungan Negara Persero'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: 0.49x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 8.75x to 0.49x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | Rp145.14 | Rp1270.00 | x |
| 2006-12-31 | Rp172.52 | Rp1270.00 | x |
| 2007-12-31 | Rp273.18 | Rp1270.00 | x |
| 2008-12-31 | Rp413.77 | Rp1270.00 | x |
| 2009-12-31 | Rp714.70 | Rp1270.00 | x |
| 2010-12-31 | Rp627.54 | Rp1270.00 | x |
| 2011-12-31 | Rp714.25 | Rp1270.00 | x |
| 2012-12-31 | Rp985.88 | Rp1270.00 | x |
| 2013-12-31 | Rp974.43 | Rp1270.00 | x |
| 2014-12-31 | Rp1026.28 | Rp1270.00 | x |
| 2015-12-31 | Rp1164.56 | Rp1270.00 | x |
| 2016-12-31 | Rp1605.00 | Rp1270.00 | x |
| 2017-12-31 | Rp1817.36 | Rp1270.00 | x |
| 2018-12-31 | Rp1999.99 | Rp1270.00 | x |
| 2019-12-31 | Rp2170.22 | Rp1270.00 | x |
| 2020-12-31 | Rp1819.84 | Rp1270.00 | x |
| 2021-12-31 | Rp1949.02 | Rp1270.00 | x |
| 2022-12-31 | Rp2446.59 | Rp1270.00 | x |
| 2023-12-31 | Rp2171.74 | Rp1270.00 | x |
| 2024-12-31 | Rp2320.85 | Rp1270.00 | x |
| 2025-12-31 | Rp2580.10 | Rp1270.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Tabungan Negara Persero 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): 9.67%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.00%
- • Asset Turnover: 0.00x
- • Equity Multiplier: 14.58x
- Recent ROE (9.67%) is below the historical average (12.78%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 29.49% | 13.81% | 0.11x | 19.64x | Rp288.61 Billion |
| 2006 | 20.72% | 8.43% | 0.13x | 18.51x | Rp188.65 Billion |
| 2007 | 14.42% | 9.87% | 0.11x | 13.16x | Rp123.28 Billion |
| 2008 | 13.98% | 9.13% | 0.10x | 14.62x | Rp122.63 Billion |
| 2009 | 9.09% | 8.18% | 0.10x | 10.84x | Rp-48.86 Billion |
| 2010 | 14.21% | 13.15% | 0.10x | 10.61x | Rp271.21 Billion |
| 2011 | 15.28% | 14.08% | 0.09x | 12.17x | Rp386.50 Billion |
| 2012 | 13.27% | 14.80% | 0.08x | 10.87x | Rp336.07 Billion |
| 2013 | 13.52% | 14.02% | 0.08x | 11.35x | Rp406.49 Billion |
| 2014 | 9.39% | 8.52% | 0.09x | 11.84x | Rp-75.07 Billion |
| 2015 | 13.35% | 11.73% | 0.09x | 12.40x | Rp464.90 Billion |
| 2016 | 13.69% | 14.42% | 0.08x | 11.20x | Rp705.85 Billion |
| 2017 | 13.98% | 14.67% | 0.08x | 12.06x | Rp861.12 Billion |
| 2018 | 11.78% | 11.85% | 0.08x | 12.85x | Rp423.88 Billion |
| 2019 | 0.88% | 0.80% | 0.08x | 13.08x | Rp-2.17 Trillion |
| 2020 | 8.02% | 6.19% | 0.07x | 18.07x | Rp-396.43 Billion |
| 2021 | 11.10% | 8.87% | 0.07x | 17.37x | Rp235.56 Billion |
| 2022 | 11.75% | 11.60% | 0.07x | 15.52x | Rp454.14 Billion |
| 2023 | 11.49% | 11.79% | 0.07x | 14.40x | Rp453.07 Billion |
| 2024 | 9.23% | 9.78% | 0.07x | 14.42x | Rp-249.86 Billion |
| 2025 | 9.67% | 0.00% | 0.00x | 14.58x | Rp-119.87 Billion |
Industry Comparison
This section compares Bank Tabungan Negara Persero's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $6,121,527,008,058
- Average return on equity (ROE) among peers: -2.22%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Tabungan Negara Persero (BBTN) | Rp36.21 Trillion | 29.49% | 13.58x | $435.78 Million |
| Bank Agris Tbk (AGRS) | $567.10 Billion | 0.69% | 6.44x | $17.52 Million |
| Bank Amar Indonesia (AMAR) | $3.18 Trillion | -4.89% | 0.42x | $6.61 Million |
| Bank Mnc Internasional Tbk (BABP) | $536.71 Billion | 3.85% | 10.82x | $7.22 Million |
| Bank Net Indonesia Syariah Tbk PT (BANK) | $950.85 Billion | 4.24% | 1.17x | $175.00 Million |
| Bank Central Asia Tbk (BBCA) | $12.63 Trillion | 18.94% | 9.55x | $20.04 Billion |
| Bk Harda Internasional Tbk Pt (BBHI) | $336.48 Billion | -36.60% | 5.73x | $251.65 Million |
| Bank Bukopin Tbk (BBKP) | $11.22 Trillion | -44.82% | 7.02x | $111.65 Million |
| Bank Mestika Dharma Tbk (BBMD) | $4.01 Trillion | 8.13% | 2.53x | $15.70 Million |
| Bank Rakyat Indonesia Persero (BBRI) | $27.26 Trillion | 26.81% | 10.63x | $15.34 Billion |
| PT Bank Bisnis Internasional Tbk (BBSI) | $538.46 Billion | 1.50% | 0.00x | $110.21 Million |