Earnings Alerts

Bank Negara Indonesia Persero (BBNI) Earnings: 1H Net Income Drops 5.6% to 10.09T Rupiah, Amid Positive Net Interest Growth

  • BNI’s net income for the first half of 2025 is 10.09 trillion rupiah, representing a drop of 5.6% compared to the previous year.
  • The bank’s net interest income has risen by 2.3% year-over-year, reaching 19.52 trillion rupiah.
  • Earnings per share (EPS) have decreased to 271 rupiah from 287 rupiah year-over-year.
  • Analyst recommendations for BNI include 32 “buy” ratings, 4 “hold” ratings, and 1 “sell” rating.

Bank Negara Indonesia Persero on Smartkarma

Analyst coverage on Bank Negara Indonesia Persero on Smartkarma has been positive, with top analysts like Victor Galliano highlighting the bank’s strengths. In a recent report titled “Indonesian Banks; We Stick with Our Key Pick Bank Negara (BBNI IJ)“, Galliano emphasized the bank’s top ranking based on a proprietary scorecard, highlighting its good value, credit quality, and return potential. Negara is recommended as the top pick in the Indonesian banking sector due to its attractive valuations and potential for improved returns.

Another report by Angus Mackintosh, “Bank Negara Indonesia (BBNI IJ) – Honing in on Transactions and CASA“, praised the bank’s focus on becoming a transactional bank with CASA (current account and savings account) as a key focus. The report highlighted Bank Negara Indonesia’s strong performance in 4Q2024, with higher loan growth and improving asset quality. Valuations were described as attractive, reaffirming positive sentiment towards the bank’s outlook.


A look at Bank Negara Indonesia Persero Smart Scores

FactorScoreMagnitude
Value4
Dividend5
Growth4
Resilience4
Momentum3
OVERALL SMART SCORE4.0

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

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PT Bank Negara Indonesia (Persero) Tbk, a state-owned bank, has received positive feedback on its long-term outlook based on the Smartkarma Smart Scores. With strong scores in Value, Dividend, Growth, Resilience, and Momentum, the company seems well-positioned for the future. A high score in Dividend suggests that the company is rewarding its investors, while solid scores in Value, Growth, and Resilience indicate a healthy financial standing and potential for growth. Although the Momentum score is slightly lower, the overall outlook for Bank Negara Indonesia Persero appears optimistic.

PT Bank Negara Indonesia (Persero) Tbk’s impressive Smartkarma Smart Scores highlight its strengths in various aspects, making it an attractive prospect for investors looking towards the long term. The company, which is involved in commercial and consumer banking services, seems to have a solid foundation based on the scores provided. Investors may find comfort in the robust Dividend score, indicating a consistent payout to shareholders, alongside promising scores in Value, Growth, and Resilience. Although Momentum could be a focus area for improvement, the overall outlook for Bank Negara Indonesia Persero looks promising.

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Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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