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• The fair value estimate has edged down slightly from Rp 5,031.85 to Rp 4,996.85, reflecting marginally softer assumptions in the updated model.

• The discount rate has decreased very slightly from 14.20% to 14.19%, indicating a nearly unchanged risk assessment for Bank Negara Indonesia (Persero).

• Revenue growth has risen modestly from 20.08% to 20.14%, suggesting a slightly more optimistic outlook for top line expansion.

• The net profit margin has eased marginally from 31.64% to 31.54%, pointing to a small anticipated compression in profitability.

• The future P/E has declined slightly from 10.18x to 10.12x, implying a marginally lower valuation multiple applied to forward earnings.

Narratives are simple, story driven investment theses that connect the dots between what a company is doing, what its future revenue, earnings, and margins might look like, and what a reasonable fair value could be. On Simply Wall St’s Community page, millions of investors use Narratives as an accessible way to link a company’s story to a financial forecast, compare fair value to the current price to decide when to buy or sell, and see those views update dynamically as new news or earnings arrive.

Read the full Narrative for Bank Negara Indonesia (Persero) to see the thinking behind its latest fair value and price target here: BBNI Narrative on Simply Wall St.

• Understand how digital adoption, SME expansion, and ESG lending could drive deposit growth, lower funding costs, and support structurally higher earnings.

• See the detailed earnings and valuation pathway that underpins the analysts’ consensus price target versus today’s share price and implied future P/E.

• Track the key risks, from margin pressure and rising OpEx to asset quality and regulatory dependence, and how they might change the risk reward balance.

Curious how numbers become stories that shape markets? Explore Community Narratives

This article by Simply Wall St is general in nature. We provide commentary 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. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Companies discussed in this article include BBNI.

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