Bank Tabungan Pensiunan Nasional Syariah PT (BTPS) - Net Assets
Based on the latest financial reports, Bank Tabungan Pensiunan Nasional Syariah PT (BTPS) has net assets worth Rp10.28 Trillion IDR (≈ $602.41 Million USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rp23.15 Trillion ≈ $1.36 Billion USD) and total liabilities (Rp12.87 Trillion ≈ $754.29 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. Explore cash efficiency ratio of Bank Tabungan Pensiunan Nasional Syariah to assess how effectively this company generates cash.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rp10.28 Trillion |
| % of Total Assets | 44.4% |
| Annual Growth Rate | 34.13% |
| 5-Year Change | 40.4% |
| 10-Year Change | 525.44% |
| Growth Volatility | 320.57 |
Bank Tabungan Pensiunan Nasional Syariah PT - Net Assets Trend (2013–2025)
This chart illustrates how Bank Tabungan Pensiunan Nasional Syariah PT's net assets have evolved over time, based on quarterly financial data. Explore Bank Tabungan Pensiunan Nasional Syariah strategic investment ratio to see how much of total assets are deployed in long-term investments.
Annual Net Assets for Bank Tabungan Pensiunan Nasional Syariah PT (2013–2025)
The table below shows the annual net assets of Bank Tabungan Pensiunan Nasional Syariah PT from 2013 to 2025. For live valuation and market cap data, see Bank Tabungan Pensiunan Nasional Syariah (BTPS) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Rp9.96 Trillion ≈ $583.71 Million |
+6.92% |
| 2024-12-31 | Rp9.32 Trillion ≈ $545.92 Million |
+6.15% |
| 2023-12-31 | Rp8.78 Trillion ≈ $514.31 Million |
+4.39% |
| 2022-12-31 | Rp8.41 Trillion ≈ $492.68 Million |
+18.51% |
| 2021-12-31 | Rp7.09 Trillion ≈ $415.73 Million |
+20.69% |
| 2020-12-31 | Rp5.88 Trillion ≈ $344.47 Million |
-61.72% |
| 2019-12-31 | Rp15.36 Trillion ≈ $899.85 Million |
+284.22% |
| 2018-12-31 | Rp4.00 Trillion ≈ $234.20 Million |
+77.28% |
| 2017-12-31 | Rp2.25 Trillion ≈ $132.11 Million |
+41.56% |
| 2016-12-31 | Rp1.59 Trillion ≈ $93.33 Million |
+36.89% |
| 2015-12-31 | Rp1.16 Trillion ≈ $68.17 Million |
-68.36% |
| 2014-12-31 | Rp3.68 Trillion ≈ $215.45 Million |
+1151.55% |
| 2013-12-31 | Rp293.79 Billion ≈ $17.21 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Bank Tabungan Pensiunan Nasional Syariah 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 grown by 82732.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rp8.15 Trillion | 81.80% |
| Common Stock | Rp770.37 Billion | 7.74% |
| Other Components | Rp1.04 Trillion | 10.46% |
| Total Equity | Rp9.96 Trillion | 100.00% |
Bank Tabungan Pensiunan Nasional Syariah PT Competitors by Market Cap
The table below lists competitors of Bank Tabungan Pensiunan Nasional Syariah PT ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
China Railway Prefabricated Construction Co Ltd
SHE:300374
|
$437.93 Million |
|
VALNEVA SE SP.ADS/2
F:AYJ0
|
$438.08 Million |
|
Lontrue Co Ltd
SHE:300175
|
$438.16 Million |
|
Hainan Honz Pharmaceutical Co
SHE:300086
|
$438.22 Million |
|
Sysgration Ltd
TWO:5309
|
$437.85 Million |
|
OPTHEA LTD
F:UKJ
|
$437.75 Million |
|
Holtek Semiconductor Inc
TW:6202
|
$437.71 Million |
|
Shandong Synthesis Electronic Technology Co Ltd
SHE:300479
|
$437.69 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Tabungan Pensiunan Nasional Syariah PT's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 9,313,581,000,000 to 9,959,000,000,000, a change of 645,419,000,000 (6.9%).
- Net income of 1,201,231,000,000 contributed positively to equity growth.
- Dividend payments of 555,690,000,000 reduced retained earnings.
- Other comprehensive income decreased equity by 179,304,000,000.
- Other factors increased equity by 179,182,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rp1.20 Trillion | +12.06% |
| Dividends Paid | Rp555.69 Billion | -5.58% |
| Other Comprehensive Income | Rp-179.30 Billion | -1.8% |
| Other Changes | Rp179.18 Billion | +1.8% |
| Total Change | Rp- | 6.93% |
Book Value vs Market Value Analysis
This analysis compares Bank Tabungan Pensiunan Nasional Syariah 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: 0.75x
- 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 increased from 0.00x to 0.75x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-12-31 | Rp1545261.59 | Rp970.00 | x |
| 2015-12-31 | Rp167.81 | Rp970.00 | x |
| 2016-12-31 | Rp229.72 | Rp970.00 | x |
| 2017-12-31 | Rp325.19 | Rp970.00 | x |
| 2018-12-31 | Rp537.54 | Rp970.00 | x |
| 2019-12-31 | Rp700.13 | Rp970.00 | x |
| 2020-12-31 | Rp763.35 | Rp970.00 | x |
| 2021-12-31 | Rp921.20 | Rp970.00 | x |
| 2022-12-31 | Rp1091.22 | Rp970.00 | x |
| 2023-12-31 | Rp1139.03 | Rp970.00 | x |
| 2024-12-31 | Rp1209.08 | Rp970.00 | x |
| 2025-12-31 | Rp1292.76 | Rp970.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Tabungan Pensiunan Nasional Syariah 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): 12.06%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.05%
- • Asset Turnover: 0.23x
- • Equity Multiplier: 2.28x
- Recent ROE (12.06%) is below the historical average (18.62%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 11.05% | 10.63% | 0.23x | 4.50x | Rp8.63 Billion |
| 2015 | 14.54% | 12.84% | 0.25x | 4.47x | Rp52.86 Billion |
| 2016 | 25.90% | 21.29% | 0.26x | 4.60x | Rp253.22 Billion |
| 2017 | 29.72% | 26.14% | 0.28x | 4.06x | Rp444.72 Billion |
| 2018 | 24.15% | 31.28% | 0.26x | 3.01x | Rp565.62 Billion |
| 2019 | 25.95% | 35.51% | 0.26x | 2.85x | Rp860.30 Billion |
| 2020 | 14.54% | 24.07% | 0.22x | 2.80x | Rp266.74 Billion |
| 2021 | 20.65% | 34.06% | 0.23x | 2.61x | Rp755.53 Billion |
| 2022 | 21.17% | 35.28% | 0.24x | 2.52x | Rp939.05 Billion |
| 2023 | 12.31% | 20.52% | 0.25x | 2.44x | Rp203.10 Billion |
| 2024 | 11.39% | 21.77% | 0.22x | 2.34x | Rp129.92 Billion |
| 2025 | 12.06% | 23.05% | 0.23x | 2.28x | Rp205.33 Billion |
Industry Comparison
This section compares Bank Tabungan Pensiunan Nasional Syariah PT's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $3,209,113,249,700
- Average return on equity (ROE) among peers: -1.01%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Tabungan Pensiunan Nasional Syariah PT (BTPS) | Rp10.28 Trillion | 11.05% | 1.25x | $437.86 Million |
| Bank Rakyat Indonesia Agroniaga (AGRO) | $4.29 Trillion | 0.73% | 5.53x | $237.75 Million |
| Bank Agris Tbk (AGRS) | $5.37 Trillion | 3.41% | 2.61x | $179.50 Million |
| Bank Amar Indonesia (AMAR) | $478.70 Billion | 0.78% | 0.77x | $206.88 Million |
| Bank Artos Indonesia Tbk PT (ARTO) | $103.01 Billion | 0.00% | 2.93x | $929.99 Million |
| Bank Mnc Internasional Tbk (BABP) | $539.86 Billion | 0.93% | 11.98x | $130.26 Million |
| Bank Capital Indonesia Tbk (BACA) | $6.75 Trillion | 1.87% | 3.15x | $142.64 Million |
| Bank Net Indonesia Syariah Tbk PT (BANK) | $592.11 Billion | -27.65% | 1.27x | $240.98 Million |
| Bank Central Asia Tbk (BBCA) | $7.01 Trillion | 0.00% | 12.73x | $43.15 Billion |
| Bk Harda Internasional Tbk Pt (BBHI) | $154.83 Billion | 0.00% | 9.19x | $1.18 Billion |
| Bank Bukopin Tbk (BBKP) | $6.81 Trillion | 9.85% | 10.62x | $616.46 Million |
About Bank Tabungan Pensiunan Nasional Syariah PT
PT Bank BTPN Syariah Tbk, together with its subsidiaries, operates as a sharia commercial bank providing a comprehensive range of banking products and services in Indonesia. The company offers savings, deposits, agent savings, and business savings accounts. It also provides group sharia financing, financing sharia capital business to financing companies, and individual sharia financing products; … Read more