Bank Permata Tbk

JK:BNLI Indonesia Banks - Regional
Market Cap
$5.19 Million
Rp84.40 Billion IDR
Market Cap Rank
#31148 Global
#593 in Indonesia
Share Price
Rp3140.00
Change (1 day)
-0.32%
52-Week Range
Rp2080.00 - Rp5975.00
All Time High
Rp5975.00
Categories
Companies in Indonesia Banks - Regional Banking & Financial
About

PT Bank Permata Tbk provides corporate, commercial, and consumer banking products and services in Indonesia. It offers savings and current accounts, time deposits, mutual funds, bonds, and credit cards; mortgage, personal, and working capital loan products; bancassurance, trade finance, foreign exchange, cash management, and treasury solutions; security services and agency services, as well as va… Read more

Bank Permata Tbk (BNLI) - Net Assets

Latest net assets as of December 2025: Rp45.85 Trillion IDR

Based on the latest financial reports, Bank Permata Tbk (BNLI) has net assets worth Rp45.85 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 (Rp268.34 Trillion) and total liabilities (Rp222.49 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 Rp45.85 Trillion
% of Total Assets 17.09%
Annual Growth Rate 19.78%
5-Year Change 25.22%
10-Year Change 137.68%
Growth Volatility 25.7

Bank Permata Tbk - Net Assets Trend (2000–2025)

This chart illustrates how Bank Permata Tbk'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 Permata Tbk (2000–2025)

The table below shows the annual net assets of Bank Permata Tbk from 2000 to 2025.

Year Net Assets Change
2025-12-31 Rp45.85 Trillion +7.62%
2024-12-31 Rp42.60 Trillion +6.53%
2023-12-31 Rp39.99 Trillion +6.31%
2022-12-31 Rp37.62 Trillion +2.74%
2021-12-31 Rp36.61 Trillion +4.40%
2020-12-31 Rp35.07 Trillion +45.90%
2019-12-31 Rp24.04 Trillion +7.06%
2018-12-31 Rp22.45 Trillion +4.38%
2017-12-31 Rp21.51 Trillion +11.51%
2016-12-31 Rp19.29 Trillion +2.53%
2015-12-31 Rp18.81 Trillion +10.05%
2014-12-31 Rp17.09 Trillion +21.01%
2013-12-31 Rp14.13 Trillion +13.05%
2012-12-31 Rp12.50 Trillion +36.77%
2011-12-31 Rp9.14 Trillion +14.44%
2010-12-31 Rp7.98 Trillion +62.85%
2009-12-31 Rp4.90 Trillion +12.61%
2008-12-31 Rp4.35 Trillion +9.87%
2007-12-31 Rp3.96 Trillion +3.85%
2006-12-31 Rp3.82 Trillion +45.21%
2005-12-31 Rp2.63 Trillion +10.03%
2004-12-31 Rp2.39 Trillion +35.98%
2003-12-31 Rp1.76 Trillion +46.74%
2002-12-31 Rp1.20 Trillion +117.73%
2001-12-31 Rp549.68 Billion +9.34%
2000-12-31 Rp502.72 Billion --

Equity Component Analysis

This analysis shows how different components contribute to Bank Permata Tbk'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 1016459300000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings Rp10.16 Trillion 22.17%
Common Stock Rp4.86 Trillion 10.59%
Other Components Rp30.83 Trillion 67.24%
Total Equity Rp45.85 Trillion 100.00%

Bank Permata Tbk Competitors by Market Cap

The table below lists competitors of Bank Permata Tbk ranked by their market capitalization.

Company Market Cap
Alpcot Holding AB Series B
ST:ALPCOT-B
 		$5.17 Million
Vo2 Cap Holding AB
ST:VO2
 		$5.17 Million
Pontiac Bancorp Inc
PINK:PONT
 		$5.17 Million
Lease IT Public Company Limited
BK:LIT
 		$5.17 Million
Middle Island Resources Ltd
AU:MDI
 		$5.17 Million
QPR Software Oyj
HE:QPR1V
 		$5.17 Million
Celyad SA
BR:CYAD
 		$5.17 Million
PRI EKOPARK SA ZY -10
F:NPA
 		$5.16 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Bank Permata Tbk's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 42,603,182,000,000 to 45,848,014,000,000, a change of 3,244,832,000,000 (7.6%).
  • Net income of 3,587,535,000,000 contributed positively to equity growth.
  • Dividend payments of 1,085,439,000,000 reduced retained earnings.
  • Other comprehensive income decreased equity by 3,257,458,000,000.
  • Other factors increased equity by 4,000,194,000,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income Rp3.59 Trillion +7.82%
Dividends Paid Rp1.09 Trillion -2.37%
Other Comprehensive Income Rp-3.26 Trillion -7.1%
Other Changes Rp4.00 Trillion +8.72%
Total Change Rp- 7.62%

Book Value vs Market Value Analysis

This analysis compares Bank Permata Tbk'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: 2.48x
  • 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 13.05x to 2.48x 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 Rp240.70 Rp3140.00 x
2006-12-31 Rp352.07 Rp3140.00 x
2007-12-31 Rp365.23 Rp3140.00 x
2008-12-31 Rp413.99 Rp3140.00 x
2009-12-31 Rp466.77 Rp3140.00 x
2010-12-31 Rp755.97 Rp3140.00 x
2011-12-31 Rp755.93 Rp3140.00 x
2012-12-31 Rp1051.58 Rp3140.00 x
2013-12-31 Rp1014.72 Rp3140.00 x
2014-12-31 Rp1109.60 Rp3140.00 x
2015-12-31 Rp1214.04 Rp3140.00 x
2016-12-31 Rp1371.16 Rp3140.00 x
2017-12-31 Rp735.65 Rp3140.00 x
2018-12-31 Rp699.81 Rp3140.00 x
2019-12-31 Rp749.23 Rp3140.00 x
2020-12-31 Rp1093.16 Rp3140.00 x
2021-12-31 Rp1160.74 Rp3140.00 x
2022-12-31 Rp1039.69 Rp3140.00 x
2023-12-31 Rp1105.33 Rp3140.00 x
2024-12-31 Rp1178.37 Rp3140.00 x
2025-12-31 Rp1267.17 Rp3140.00 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Bank Permata Tbk 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): 7.82%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 18.46%
  • • Asset Turnover: 0.07x
  • • Equity Multiplier: 5.85x
  • Recent ROE (7.82%) is below the historical average (8.45%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2001 42.05% 14.51% 0.11x 25.30x Rp164.73 Billion
2004 26.60% 18.18% 0.11x 13.57x Rp388.63 Billion
2005 11.47% 7.85% 0.11x 13.52x Rp37.80 Billion
2006 8.28% 6.06% 0.14x 10.06x Rp-64.74 Billion
2007 12.79% 9.76% 0.13x 10.07x Rp108.76 Billion
2008 10.55% 8.33% 0.10x 12.61x Rp23.54 Billion
2009 9.93% 7.01% 0.12x 11.58x Rp-3.40 Billion
2010 12.68% 14.80% 0.09x 9.32x Rp211.95 Billion
2011 12.66% 13.15% 0.09x 11.09x Rp243.26 Billion
2012 10.95% 13.54% 0.08x 10.55x Rp118.58 Billion
2013 12.22% 13.43% 0.08x 11.74x Rp313.21 Billion
2014 9.29% 9.62% 0.09x 10.84x Rp-121.68 Billion
2015 1.31% 1.43% 0.09x 9.71x Rp-1.63 Trillion
2016 -33.61% -41.29% 0.09x 8.58x Rp-8.41 Trillion
2017 3.48% 5.51% 0.09x 6.90x Rp-1.40 Trillion
2018 4.01% 7.40% 0.08x 6.81x Rp-1.34 Trillion
2019 6.24% 11.45% 0.08x 6.72x Rp-903.31 Billion
2020 2.06% 5.37% 0.07x 5.64x Rp-2.79 Trillion
2021 3.36% 9.28% 0.06x 6.40x Rp-2.43 Trillion
2022 5.35% 18.77% 0.04x 6.78x Rp-1.75 Trillion
2023 6.46% 14.47% 0.07x 6.44x Rp-1.41 Trillion
2024 8.37% 18.84% 0.07x 6.08x Rp-693.80 Billion
2025 7.82% 18.46% 0.07x 5.85x Rp-997.27 Billion

Industry Comparison

This section compares Bank Permata Tbk'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 Permata Tbk (BNLI) Rp45.85 Trillion 42.05% 4.85x $5.17 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