Bank Tabungan Negara Persero (BBTN) - Net Assets

Latest as of December 2025: Rp36.21 Trillion IDR ≈ $2.12 Billion USD

Based on the latest financial reports, Bank Tabungan Negara Persero (BBTN) has net assets worth Rp36.21 Trillion IDR (≈ $2.12 Billion USD) 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 ≈ $30.93 Billion USD) and total liabilities (Rp491.58 Trillion ≈ $28.80 Billion 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 Tabungan Negara Persero (BBTN) liquid assets ratio to evaluate the company's liquid asset resilience ratio.

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. Also explore Bank Tabungan Negara Persero balance sheet assets for the complete picture of this company's asset base.

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. For live valuation and market cap data, see market value of Bank Tabungan Negara Persero.

Year	Net Assets	Change
2025-12-31	Rp36.21 Trillion ≈ $2.12 Billion	+11.17%
2024-12-31	Rp32.57 Trillion ≈ $1.91 Billion	+6.87%
2023-12-31	Rp30.48 Trillion ≈ $1.79 Billion	+17.64%
2022-12-31	Rp25.91 Trillion ≈ $1.52 Billion	+21.03%
2021-12-31	Rp21.41 Trillion ≈ $1.25 Billion	+7.10%
2020-12-31	Rp19.99 Trillion ≈ $1.17 Billion	-16.14%
2019-12-31	Rp23.84 Trillion ≈ $1.40 Billion	-0.02%
2018-12-31	Rp23.84 Trillion ≈ $1.40 Billion	+10.05%
2017-12-31	Rp21.66 Trillion ≈ $1.27 Billion	+13.24%
2016-12-31	Rp19.13 Trillion ≈ $1.12 Billion	+38.03%
2015-12-31	Rp13.86 Trillion ≈ $812.15 Million	+13.55%
2014-12-31	Rp12.21 Trillion ≈ $715.25 Million	+5.62%
2013-12-31	Rp11.56 Trillion ≈ $677.18 Million	+12.43%
2012-12-31	Rp10.28 Trillion ≈ $602.30 Million	+40.39%
2011-12-31	Rp7.32 Trillion ≈ $429.02 Million	+13.56%
2010-12-31	Rp6.45 Trillion ≈ $377.78 Million	+19.55%
2009-12-31	Rp5.39 Trillion ≈ $316.02 Million	+75.19%
2008-12-31	Rp3.08 Trillion ≈ $180.39 Million	+10.44%
2007-12-31	Rp2.79 Trillion ≈ $163.33 Million	+58.35%
2006-12-31	Rp1.76 Trillion ≈ $103.15 Million	+18.87%
2005-12-31	Rp1.48 Trillion ≈ $86.77 Million	+22.16%
2004-12-31	Rp1.21 Trillion ≈ $71.03 Million	+34.19%
2003-12-31	Rp903.37 Billion ≈ $52.93 Million	+1.08%
2002-12-31	Rp893.68 Billion ≈ $52.37 Million	+7.61%
2001-12-31	Rp830.46 Billion ≈ $48.66 Million	--

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
Miracll Chemicals Co Ltd SHE:300848	$1.11 Billion
Xiamen Jihong Package Technology Ltd SHE:002803	$1.11 Billion
Jiangsu Tongxingbao Intelligent Transportation Technology Co. Ltd. A SHE:301339	$1.12 Billion
VERBIO Vereinigte BioEnergie AG XETRA:VBK	$1.12 Billion
SUFA Technology Industry Co Ltd CNNC SHE:000777	$1.11 Billion
Tarkett SA PA:TKTT	$1.11 Billion
BIRLASOFT LIMITED NSE:BSOFT	$1.11 Billion
SMA SOLAR T. UNSP.ADR/01 F:S93	$1.11 Billion

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: 0.53x
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 9.34x to 0.53x 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	Rp1355.00	x
2006-12-31	Rp172.52	Rp1355.00	x
2007-12-31	Rp273.18	Rp1355.00	x
2008-12-31	Rp413.77	Rp1355.00	x
2009-12-31	Rp714.70	Rp1355.00	x
2010-12-31	Rp627.54	Rp1355.00	x
2011-12-31	Rp714.25	Rp1355.00	x
2012-12-31	Rp985.88	Rp1355.00	x
2013-12-31	Rp974.43	Rp1355.00	x
2014-12-31	Rp1026.28	Rp1355.00	x
2015-12-31	Rp1164.56	Rp1355.00	x
2016-12-31	Rp1605.00	Rp1355.00	x
2017-12-31	Rp1817.36	Rp1355.00	x
2018-12-31	Rp1999.99	Rp1355.00	x
2019-12-31	Rp2170.22	Rp1355.00	x
2020-12-31	Rp1819.84	Rp1355.00	x
2021-12-31	Rp1949.02	Rp1355.00	x
2022-12-31	Rp2446.59	Rp1355.00	x
2023-12-31	Rp2171.74	Rp1355.00	x
2024-12-31	Rp2320.85	Rp1355.00	x
2025-12-31	Rp2580.10	Rp1355.00	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: $5,917,401,827,400
Average return on equity (ROE) among peers: 5.92%

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	$1.11 Billion
Bank Rakyat Indonesia Agroniaga (AGRO)	$278.29 Billion	5.04%	9.97x	$262.39 Million
Bank Agris Tbk (AGRS)	$5.37 Trillion	3.41%	2.61x	$196.33 Million
Bank Amar Indonesia (AMAR)	$472.48 Billion	-5.85%	0.16x	$208.99 Million
Bank Artos Indonesia Tbk PT (ARTO)	$105.52 Billion	0.00%	3.84x	$1.06 Billion
Bank Mnc Internasional Tbk (BABP)	$518.93 Billion	1.53%	9.44x	$132.86 Million
Bank Capital Indonesia Tbk (BACA)	$1.32 Trillion	7.11%	9.80x	$160.18 Million
Bank Net Indonesia Syariah Tbk PT (BANK)	$595.72 Billion	12.98%	0.20x	$502.76 Million
Bank Central Asia Tbk (BBCA)	$34.11 Trillion	24.86%	8.51x	$42.25 Billion
Bk Harda Internasional Tbk Pt (BBHI)	$7.51 Trillion	7.65%	1.46x	$1.62 Billion
Bank Bukopin Tbk (BBKP)	$8.91 Trillion	2.43%	10.26x	$671.50 Million

About Bank Tabungan Negara Persero

JK:BBTN Indonesia Banks - Regional

Market Cap

$1.11 Billion

Rp19.02 Trillion IDR

Market Cap Rank

#8650 Global

#87 in Indonesia

Share Price

Rp1355.00

Change (1 day)

-3.90%

52-Week Range

Rp1055.00 - Rp1490.00

All Time High

Rp3011.37