Q4 2025
BBNIPT Bank Negara Indonesia (Persero) Tbk
Laba Rugi
Neraca
Margin Profitabilitas
Return on Assets & Equity
Leverage
Income Statement Flow
Q4 2025
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Dupont Ratio
| Dupont Ratio | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 58.1% | 60.8% | 62.8% | 70.4% | 70.9% | 62.8% | 59.2% | 61.8% | 61.2% | 63.5% |
| Operating Profit Margin | 35.2% | 39.9% | 37.7% | 37.6% | 22.8% | 8.5% | 30.1% | 32.6% | 31.3% | 28.8% |
| Net Profit Margin | 29.0% | 32.5% | 30.9% | 30.4% | 19.6% | 5.4% | 24.0% | 25.1% | 25.0% | 23.1% |
| Other Burdens | 82.4% | 81.5% | 81.9% | 80.7% | 86.0% | 63.5% | 79.6% | 77.0% | 80.0% | 80.2% |
| Total Asset Turnover | 0.05x | 0.06x | 0.06x | 0.06x | 0.06x | 0.07x | 0.08x | 0.07x | 0.08x | 0.08x |
| Equity Multiplier | 7.72x | 6.79x | 7.02x | 7.35x | 7.63x | 7.90x | 6.76x | 7.33x | 7.03x | 6.76x |
| Return on Asset | 1.8% | 2.4% | 2.4% | 2.2% | 1.3% | 0.6% | 2.3% | 2.4% | 2.4% | 2.4% |
| Return on Equity | 13.8% | 16.0% | 16.7% | 16.3% | 10.1% | 4.6% | 15.6% | 17.8% | 17.1% | 15.9% |
| Debt to Equity | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
Ratio
| Ratio | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Liquidity Ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Interest Coverage | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Cash Flow to Investing Cash Flow | 387.1% | -1199.6% | 96.5% | 61.9% | 622.6% | 619.2% | 93.5% | -44.5% | 144.5% | 52.5% |
| Quality of Earnings | 512.7% | -291.7% | 49.2% | 108.0% | 888.0% | 2235.6% | -81.3% | -28.3% | 244.2% | 135.2% |
| Cash received to Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Financial
Format: Triliun (T)
| Rupiah | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Pendapatan | 69,39 | 66,58 | 68,32 | 60,88 | 55,91 | 61,5 | 64,69 | 60,14 | 55,05 | 49,37 |
| Laba Kotor | 40,33 | 40,48 | 42,93 | 42,87 | 39,65 | 38,62 | 38,3 | 37,16 | 33,71 | 31,34 |
| Laba Usaha | 24,4 | 26,57 | 25,77 | 22,9 | 12,77 | 5,23 | 19,49 | 19,6 | 17,22 | 14,23 |
| Laba Bersih | 20,11 | 21,67 | 21,11 | 18,48 | 10,98 | 3,32 | 15,51 | 15,09 | 13,77 | 11,41 |
| Aset | 1.362,05 | 1.130,13 | 1.086,66 | 1.029,84 | 964,84 | 891,34 | 845,61 | 808,57 | 709,33 | 603,03 |
| Ekuitas | 176,34 | 166,55 | 154,73 | 140,2 | 126,52 | 112,87 | 125 | 110,37 | 100,9 | 89,25 |
| Liabilitas | 1.185,72 | 963,58 | 931,93 | 889,64 | 838,32 | 778,47 | 720,6 | 698,2 | 608,43 | 513,78 |
| Operating Cash Flow | 103,1 | -63,22 | 10,39 | 19,95 | 97,48 | 74,25 | -12,61 | -4,27 | 33,63 | 15,42 |
| Investing Cash Flow | -26,64 | -5,27 | -10,77 | -32,23 | -15,66 | -11,99 | 13,48 | -9,61 | -23,27 | -29,4 |
| Financing Cash Flow | -27,56 | 17,72 | -8,49 | 2,73 | 1,72 | -17,14 | -18,49 | 20,61 | 3,25 | 8,64 |
Financial Growth
| Growth % | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Pendapatan | 4.2% | -2.5% | 12.2% | 8.9% | -9.1% | -4.9% | 7.6% | 9.2% | 11.5% | 0.0% |
| Laba Kotor | -0.4% | -5.7% | 0.1% | 8.1% | 2.6% | 0.8% | 3.1% | 10.2% | 7.6% | 0.0% |
| Laba Usaha | -8.2% | 3.1% | 12.6% | 79.4% | 144.0% | -73.2% | -0.6% | 13.8% | 21.0% | 0.0% |
| Laba Bersih | -7.2% | 2.7% | 14.2% | 68.4% | 230.5% | -78.6% | 2.8% | 9.6% | 20.7% | 0.0% |
| Aset | 20.5% | 4.0% | 5.5% | 6.7% | 8.2% | 5.4% | 4.6% | 14.0% | 17.6% | 0.0% |
| Ekuitas | 5.9% | 7.6% | 10.4% | 10.8% | 12.1% | -9.7% | 13.3% | 9.4% | 13.1% | 0.0% |
| Liabilitas | 23.1% | 3.4% | 4.8% | 6.1% | 7.7% | 8.0% | 3.2% | 14.8% | 18.4% | 0.0% |
| Operating Cash Flow | -263.1% | -708.3% | -47.9% | -79.5% | 31.3% | -688.8% | 195.1% | -112.7% | 118.0% | 0.0% |
| Investing Cash Flow | 405.4% | -51.1% | -66.6% | 105.9% | 30.6% | -188.9% | -240.3% | -58.7% | -20.8% | 0.0% |
| Financing Cash Flow | -255.5% | -308.6% | -411.6% | 58.6% | -110.0% | -7.3% | -189.7% | 535.0% | -62.4% | 0.0% |