DirVes investment workspace
Analisis DV DirVesworkspace

BBTN — Income Statement (Laba Rugi)

Dashboard • BBTN — Income Statement (Laba Rugi)
Analisis Saham DV DirVesInvestment workspace

Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — BBTN PT Bank Tabungan Negara (Persero) Tbk

Emiten
Tahun (s/d)
Periode
Satuan
 
Laba Rugi Neraca Arus Kas
BBTN — Income Statement (Laba Rugi)
Dalam Jutaan IDR  |  Triwulanan  |  9 periode s/d 2026
IDX · Data asli: IDR
Dalam Jutaan IDR Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024
▼ Total Pendapatan 15,049,4667,385,32533,618,75624,506,45617,136,0377,530,37227,697,66720,830,70214,083,690
Pendapatan Bunga 14,009,2426,910,12331,879,84223,273,53516,341,4637,147,78325,472,62519,328,82412,968,010
Provisi Dan Komisi Kredit 1,040,224475,2021,738,9141,232,921794,574382,5892,225,0421,501,8781,115,680
Total Pendapatan 15,049,4667,385,32533,618,75624,506,45617,136,0377,530,37227,697,66720,830,70214,083,690
▼ Total Beban Pokok Penjualan (7,000,846)(3,402,954)(16,174,363)(12,490,906)(8,308,243)(3,989,876)(16,267,381)(12,282,896)(8,164,167)
Beban Bunga (7,000,846)(3,402,954)(16,174,363)(12,490,906)(8,308,243)(3,989,876)(16,267,381)(12,282,896)(8,164,167)
Beban Provisi Dan Komisi ---------
Total Beban Pokok Penjualan (7,000,846)(3,402,954)(16,174,363)(12,490,906)(8,308,243)(3,989,876)(16,267,381)(12,282,896)(8,164,167)
Laba Kotor 8,048,6203,982,37117,444,39312,015,5508,827,7943,540,49611,430,2868,547,8065,919,523
▼ Total Beban Usaha (5,120,567)(2,599,480)(13,088,356)(9,275,759)(6,730,818)(2,488,448)(7,605,573)(5,902,257)(4,003,547)
▼ Pendapatan Operasional Lainnya (235,035)(299,651)(3,213,023)(2,301,709)(2,290,082)(317,776)1,047,884513,294219,168
Provisi Dan Komisi Lainnya ---------
Keuntungan Transaksi Perdagangan ---------
Pendapatan Dividen ---------
Keuntungan (Rugi) Atas Transaksi Derivatif ---------
Others (235,035)(299,651)(3,213,023)(2,301,709)(2,290,082)(317,776)1,047,884513,294219,168
Total Pendapatan Operasional (235,035)(299,651)(3,213,023)(2,301,709)(2,290,082)(317,776)1,047,884513,294219,168
▼ Beban Operasional Lainnya (4,885,532)(2,299,829)(9,875,333)(6,974,050)(4,440,736)(2,170,672)(8,653,457)(6,415,551)(4,222,715)
Beban Penyisihan Kerugian Penurunan Nilai 65,42560,52413,3136,2947,5988,12341,16047,33047,935
Beban Umum Dan Administrasi (4,075,470)(1,968,728)(8,361,575)(5,980,319)(3,794,926)(1,870,096)(7,334,495)(5,475,042)(3,698,718)
Others (875,487)(391,625)(1,527,071)(1,000,025)(653,408)(308,699)(1,360,122)(987,839)(571,932)
Total Beban Operasional (4,885,532)(2,299,829)(9,875,333)(6,974,050)(4,440,736)(2,170,672)(8,653,457)(6,415,551)(4,222,715)
Total Beban Usaha (5,120,567)(2,599,480)(13,088,356)(9,275,759)(6,730,818)(2,488,448)(7,605,573)(5,902,257)(4,003,547)
Laba Usaha 2,928,0531,382,8914,356,0372,739,7912,096,9761,052,0483,824,7132,645,5491,915,976
▼ Penghasilan/Beban Lain-Lain 71,1324,49725,927122,41233,40380,137(51,872)(29,152)(38,844)
Others 71,1324,49725,927122,41233,40380,137(51,872)(29,152)(38,844)
Total Penghasilan/Beban Lain-Lain 71,1324,49725,927122,41233,40380,137(51,872)(29,152)(38,844)
Laba Sebelum Pajak 2,999,1851,387,3884,381,9642,862,2032,130,3791,132,1853,772,8412,616,3971,877,132
▼ Beban Pajak Penghasilan (596,973)(279,409)(880,810)(559,523)(423,990)(228,475)(765,513)(534,004)(375,270)
Pajak Kini ---------
Pajak Tangguhan ---------
Total Beban Pajak Penghasilan (596,973)(279,409)(880,810)(559,523)(423,990)(228,475)(765,513)(534,004)(375,270)
Laba Bersih Tahun Berjalan 2,402,2121,107,9793,501,1542,302,6801,706,389903,7103,007,3282,082,3931,501,862
▼ Pendapatan Komprehensif Lain (1,054,719)(549,195)889,065559,975399,55361,825(214,393)146,197(248,128)
Others (1,054,719)(549,195)889,065559,975399,55361,825(214,393)146,197(248,128)
Total Pendapatan Komprehensif Lain (1,054,719)(549,195)889,065559,975399,55361,825(214,393)146,197(248,128)
Jumlah Laba Komprehensif 1,347,493558,7844,390,2192,862,6552,105,942965,5352,792,9352,228,5901,253,734
▼ Laba Bersih Yang Dapat Diatribusikan 2,402,2121,107,9793,501,1542,302,6801,706,389903,7103,007,3282,082,3931,501,862
Pemilik Entitas Induk 2,402,2121,107,9793,501,1542,302,6801,706,389903,7103,007,3282,082,3931,501,862
Kepentingan Non-Pengendali ---------
Total Laba Bersih Yang Dapat Diatribusikan 2,402,2121,107,9793,501,1542,302,6801,706,389903,7103,007,3282,082,3931,501,862
▼ Laba Komprehensif Yang Dapat Diatribusikan 1,347,493558,7844,390,2192,862,6552,105,942965,5352,792,9352,228,5901,253,734
Pemilik Entitas Induk 1,347,493558,7844,390,2192,862,6552,105,942965,5352,792,9352,228,5901,253,734
Kepentingan Non-Pengendali ---------
Total Laba Komprehensif Yang Dapat Diatribusikan 1,347,493558,7844,390,2192,862,6552,105,942965,5352,792,9352,228,5901,253,734
Key Ratios — BBTN ROE, ROA, EPS disetahunkan · Metode Teguh Hidayat · Harga saham: Rp 1.205 (2026-07-24)
Rasio Q2 2026 ×2 Q1 2026 ×4 Q4 2025 Q3 2025 ×1⅓ Q2 2025 ×2 Q1 2025 ×4 Q4 2024 Q3 2024 ×1⅓ Q2 2024 ×2
Profitabilitas
Gross Margin (%) 53.48% 53.92% 51.89% 49.03% 51.52% 47.02% 41.27% 41.03% 42.03%
Operating Margin (%) 19.46% 18.72% 12.96% 11.18% 12.24% 13.97% 13.81% 12.70% 13.60%
Net Margin (%) 15.96% 15.00% 10.41% 9.40% 9.96% 12.00% 10.86% 10.00% 10.66%
ROE (%) 12.79% 12.05% 9.67% 8.85% 10.06% 10.78% 9.23% 8.67% 9.68%
ROA (%) 0.88% 0.86% 0.66% 0.60% 0.70% 0.77% 0.64% 0.61% 0.66%
Per Lembar Saham
EPS (Rp) 345,79 318,98 251,99 220,97 245,63 260,17 216,45 199,83 216,19
BVPS (Rp) 2.703,15 2.646,38 2.606,16 2.496,22 2.441,76 2.413,79 2.344,30 2.303,68 2.233,52
Valuasi
PER (x) 3.48x 3.78x 4.78x 5.45x 4.91x 4.63x 5.57x 6.03x 5.57x
PBV (x) 0.45x 0.46x 0.46x 0.48x 0.49x 0.50x 0.51x 0.52x 0.54x
Struktur Modal
DER (x) 12.66x 12.26x 12.70x 12.78x 12.35x 12.10x 12.52x 12.32x 12.76x