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PT Bank SMBC Indonesia Tbk's quarterly net loan
declined
from Sep. 2025 (Rp180,796,558 Mil) to Dec. 2025 (Rp178,228,039 Mil) but then
increased
from Dec. 2025 (Rp178,228,039 Mil) to Mar. 2026 (Rp184,390,554 Mil).
PT Bank SMBC Indonesia Tbk's annual net loan
increased
from Dec. 2023 (Rp151,943,250 Mil) to Dec. 2024 (Rp178,228,039 Mil) and
increased
from Dec. 2024 (Rp178,228,039 Mil) to Dec. 2025 (Rp184,390,554 Mil).
* 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.
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
PT Bank SMBC Indonesia Tbk (ISX:BTPN) has a Net Loan of Rp184,390,554 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on PT Bank SMBC Indonesia Tbk and its competitors.
Is PT Bank SMBC Indonesia Tbk's Net Loan too high?
PT Bank SMBC Indonesia Tbk's current Net Loan is Rp184,390,554 Mil. Overall, PT Bank SMBC Indonesia Tbk has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank SMBC Indonesia Tbk's Net Loan compare to competitors?
PT Bank SMBC Indonesia Tbk's Net Loan of Rp184,390,554 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 SMBC Indonesia Tbk and its competitors. PT Bank SMBC Indonesia Tbk's current Net Loan is Rp184,390,554 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 SMBC Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank SMBC Indonesia Tbk (ISX:BTPN) is currently considered Fairly Valued. The stock's GF Value™ is Rp2,366.50, compared to a current price of Rp2,160.00 — trading 8.7% below its estimated fair value. The current Net Loan is Rp184,390,554 Mil. PT Bank SMBC Indonesia Tbk's overall GF Score™ is 60/100 with 6 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 SMBC Indonesia Tbk (ISX:BTPN), the current Net Loan is Rp184,390,554 Mil as of Mar. 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 SMBC Indonesia Tbk (ISX:BTPN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank SMBC Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp2,160.00 is trading 8.7% below its estimated GF Value™ of Rp2,366.50.
GuruFocus considers PT Bank SMBC Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:BTPN:
Net Loan: Rp184,390,554 Mil
GF Value™: Rp2,366.50 vs. price of Rp2,160.00 (8.7% below fair value)
No single metric tells the full story. See the ISX:BTPN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank SMBC Indonesia Tbk is a foreign exchange bank. It offers products and services such as green financing, products and services for retired customers, for micro, small, and medium enterprise customers, for large national, multinational, and Japanese corporations, wealth management services through Sinaya, as well as digital banking services for digital-savvy communities through Jenius. The company's segment includes: Retail, MSME, Funding and Treasury, Corporate, Sharia, and Financing. The company generates the majority of its revenue from Retail segment.
60GF Score
Get the complete analysis for ISX:BTPN
Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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