PT Bank SMBC Indonesia Tbk (BTPN) — Tangible Net Worth Ratio
PT Bank SMBC Indonesia Tbk (BTPN) has a Tangible Net Worth Ratio of 97.1% as of September 2025. This metric is calculated by deducting intangible assets (Rp1.59 Trillion) from net assets (Rp55.53 Trillion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See BTPN net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
PT Bank SMBC Indonesia Tbk Tangible Net Worth Ratio (2006–2024)
This chart shows how PT Bank SMBC Indonesia Tbk's Tangible Net Worth Ratio has changed across 19 annual periods from 2006 to 2024. As of September 2025, the ratio stands at 97.1%, reflecting net assets of Rp55.53 Trillion with intangible assets of Rp1.59 Trillion IDR. See BTPN cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for PT Bank SMBC Indonesia Tbk (2006–2024)
The table below presents the year-by-year Tangible Net Worth Ratio for PT Bank SMBC Indonesia Tbk from 2006 to 2024, covering 19 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see PT Bank SMBC Indonesia Tbk market cap and net worth.
| Year | Tangible NW Ratio | Net Assets (IDR) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 96.9% | Rp54.75 Trillion | Rp1.71 Trillion | Rp241.10 Trillion | ▼ -0.6 pp |
| 2023 | 97.5% | Rp41.28 Trillion | Rp1.03 Trillion | Rp201.45 Trillion | ▲ +0.1 pp |
| 2022 | 97.4% | Rp39.41 Trillion | Rp1.02 Trillion | Rp209.17 Trillion | ▲ +0.1 pp |
| 2021 | 97.3% | Rp36.08 Trillion | Rp975.57 Billion | Rp191.92 Trillion | ▲ +0.3 pp |
| 2020 | 97.0% | Rp32.96 Trillion | Rp979.48 Billion | Rp183.17 Trillion | ▲ +0.2 pp |
| 2019 | 96.8% | Rp31.47 Trillion | Rp1.01 Trillion | Rp181.63 Trillion | ▲ +1.3 pp |
| 2018 | 95.5% | Rp19.36 Trillion | Rp879.71 Billion | Rp101.92 Trillion | ▼ -0.4 pp |
| 2017 | 95.9% | Rp17.20 Trillion | Rp707.95 Billion | Rp95.49 Trillion | ▼ -0.6 pp |
| 2016 | 96.5% | Rp16.31 Trillion | Rp574.26 Billion | Rp91.37 Trillion | ▼ -1.2 pp |
| 2015 | 97.7% | Rp13.92 Trillion | Rp318.92 Billion | Rp81.04 Trillion | ▼ -0.5 pp |
| 2014 | 98.2% | Rp12.06 Trillion | Rp215.19 Billion | Rp75.01 Trillion | ▼ -0.1 pp |
| 2013 | 98.3% | Rp9.91 Trillion | Rp167.24 Billion | Rp69.66 Trillion | ▲ +0.4 pp |
| 2012 | 97.9% | Rp7.73 Trillion | Rp162.78 Billion | Rp59.09 Trillion | ▼ -1.2 pp |
| 2011 | 99.1% | Rp5.62 Trillion | Rp50.68 Billion | Rp46.65 Trillion | ▼ -0.6 pp |
| 2010 | 99.6% | Rp4.22 Trillion | Rp14.82 Billion | Rp34.52 Trillion | ▲ +0.4 pp |
| 2009 | 99.2% | Rp2.04 Trillion | Rp15.93 Billion | Rp22.27 Trillion | ▲ +0.2 pp |
| 2008 | 99.0% | Rp1.62 Trillion | Rp15.72 Billion | Rp13.70 Trillion | ▼ -1.0 pp |
| 2007 | 100.0% | Rp1.23 Trillion | Rp0.00 | Rp10.58 Trillion | ▲ +0.0 pp |
| 2006 | 100.0% | Rp890.94 Billion | Rp0.00 | Rp6.37 Trillion | — |