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PT Bank Tabungan Negara (Persero) Tbk (ISX:BBTN) Effective Interest Rate on Debt % : 36.58% (As of Mar. 2025)


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What is PT Bank Tabungan Negara (Persero) Tbk Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. PT Bank Tabungan Negara (Persero) Tbk's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was Rp15,693,836 Mil. PT Bank Tabungan Negara (Persero) Tbk's average total debt for the quarter that ended in Mar. 2025 was Rp42,902,494 Mil. Therefore, PT Bank Tabungan Negara (Persero) Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 36.58%.


PT Bank Tabungan Negara (Persero) Tbk Effective Interest Rate on Debt % Historical Data

The historical data trend for PT Bank Tabungan Negara (Persero) Tbk's Effective Interest Rate on Debt % 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.

* Premium members only.

PT Bank Tabungan Negara (Persero) Tbk Effective Interest Rate on Debt % Chart

PT Bank Tabungan Negara (Persero) Tbk Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.19 25.39 23.31 28.48 33.31

PT Bank Tabungan Negara (Persero) Tbk Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Effective Interest Rate on Debt % 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 31.44 33.69 36.18 35.04 36.58

Competitive Comparison of PT Bank Tabungan Negara (Persero) Tbk's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, PT Bank Tabungan Negara (Persero) Tbk's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PT Bank Tabungan Negara (Persero) Tbk's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PT Bank Tabungan Negara (Persero) Tbk's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PT Bank Tabungan Negara (Persero) Tbk's Effective Interest Rate on Debt % falls into.


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PT Bank Tabungan Negara (Persero) Tbk Effective Interest Rate on Debt % Calculation

PT Bank Tabungan Negara (Persero) Tbk's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -16113935/( (51333720+45423419)/ 2 )
=-1  *  -16113935/48378569.5
=33.31 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=51333720 + 0
=51333720

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=45423419 + 0
=45423419

PT Bank Tabungan Negara (Persero) Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Mar. 2025 ))/ count )
=-1  *  -15693836/( (45423419+40381568)/ 2 )
=-1  *  -15693836/42902493.5
=36.58 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=45423419 + 0
=45423419

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=40381568 + 0
=40381568

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.


PT Bank Tabungan Negara (Persero) Tbk  (ISX:BBTN) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


PT Bank Tabungan Negara (Persero) Tbk Effective Interest Rate on Debt % Related Terms

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PT Bank Tabungan Negara (Persero) Tbk Business Description

Traded in Other Exchanges
Address
Jalan Gajah Mada No. 1, Menara Bank BTN, Jakarta, IDN, 10130
PT Bank Tabungan Negara (Persero) Tbk is principally engaged in providing commercial banking services. The products offered by the bank include Fund products like Fixed deposit accounts, savings accounts, and clearing accounts, and credit products like Consumer loans and commercial loans. The services provided include Money Changer, Payment Point, Safe deposit box, and Real Time Gross settlement among others. It also provides Syariah services through its Syariah Business units. Its business segments consist of Conventional Banking and Sharia Banking. The company generates the majority of its revenue from the Conventional business segment.

PT Bank Tabungan Negara (Persero) Tbk Headlines

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