PT Bank Raya Indonesia Tbk (ISX:AGRO) Net Loan: Rp6,098,348 Mil (As of Jun. 2026)

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ISX:AGRO PT Bank Raya Indonesia Tbk ISX:AGRO
56 GF Score
Price Rp151.00
GF Value Rp213.13
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT Bank Raya Indonesia Tbk Net Loan?

PT Bank Raya Indonesia Tbk ISX:AGRO -1.31% 56 Net Loan is Rp6,098,348 Mil as of Jun. 2026. GuruFocus rates ISX:AGRO with a GF Score™ of 56/100 and a GF Value™ of Rp213.13 (Modestly Undervalued). The stock has 2 warning signs investors should review.

PT Bank Raya Indonesia Tbk's quarterly net loan declined from Dec. 2025 (Rp6,273,104 Mil) to Mar. 2026 (Rp6,212,516 Mil) and declined from Mar. 2026 (Rp6,212,516 Mil) to Jun. 2026 (Rp6,098,348 Mil).

PT Bank Raya Indonesia Tbk's annual net loan increased from Dec. 2023 (Rp5,994,671 Mil) to Dec. 2024 (Rp6,212,516 Mil) and increased from Dec. 2024 (Rp6,212,516 Mil) to Dec. 2025 (Rp6,098,348 Mil).

PT Bank Raya Indonesia Tbk Net Loan Historical Data

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The historical data trend for PT Bank Raya Indonesia Tbk's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PT Bank Raya Indonesia Tbk Net Loan Chart

PT Bank Raya Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9,732,925.56 6,445,103.99 5,994,670.85 6,079,736.36 6,273,104.00

PT Bank Raya Indonesia Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6,218,312.22 6,183,708.97 6,273,104.00 6,212,515.65 6,098,347.78
ISX:AGRO
56GF Score
PT Bank Raya Indonesia Tbk ISX:AGRO
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Raya Indonesia Tbk Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of Rp6,098,348 Mil mean?
PT Bank Raya Indonesia Tbk (ISX:AGRO) has a Net Loan of Rp6,098,348 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on PT Bank Raya Indonesia Tbk and its competitors.
Is PT Bank Raya Indonesia Tbk's Net Loan too high?
PT Bank Raya Indonesia Tbk's current Net Loan is Rp6,098,348 Mil. Overall, PT Bank Raya Indonesia Tbk has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Raya Indonesia Tbk's Net Loan compare to competitors?
PT Bank Raya Indonesia Tbk's Net Loan of Rp6,098,348 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on PT Bank Raya Indonesia Tbk and its competitors. PT Bank Raya Indonesia Tbk's current Net Loan is Rp6,098,348 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Raya Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk (ISX:AGRO) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp213.13, compared to a current price of Rp151.00 — trading 29.2% below its estimated fair value. The current Net Loan is Rp6,098,348 Mil. PT Bank Raya Indonesia Tbk's overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For PT Bank Raya Indonesia Tbk (ISX:AGRO), the current Net Loan is Rp6,098,348 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is PT Bank Raya Indonesia Tbk (ISX:AGRO) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk stock appears to be undervalued. The current stock price of Rp151.00 is trading 29.2% below its estimated GF Value™ of Rp213.13. GuruFocus considers PT Bank Raya Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for ISX:AGRO:

  • Net Loan: Rp6,098,348 Mil
  • GF Value™: Rp213.13 vs. price of Rp151.00 (29.2% below fair value)
  • GF Score™: 56/100 with 2 warning signs

No single metric tells the full story. See the ISX:AGRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Raya Indonesia Tbk Business Description

Address Jalan Gatot Subroto No. 177A, Kel No. RT 009/01, Menteng Dalam, Tebet, Jakarta, IDN, 12870
PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.
56GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp151.00
Price
Rp213.13
GF Value