AGRO Income Statement

Financials in millions IDR. Fiscal year is January - December.

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Interest Income on Loans	998,554	890,959	1,029,970	1,647,185	1,931,525	2,054,838	Upgrade
Interest Paid on Deposits	453,732	403,130	369,535	773,616	1,306,889	1,361,627	Upgrade
Net Interest Income	544,823	487,829	660,436	873,569	624,636	693,211	Upgrade
Net Interest Income Growth (YoY)	7.77%	-26.14%	-24.40%	39.85%	-9.89%	2.56%	Upgrade
Gain (Loss) on Sale of Assets	485.57	1,145	1,673	620.89	5.75	26.84	Upgrade
Gain (Loss) on Sale of Investments	549,080	397,122	590,835	86,407	52,510	50,321	Upgrade
Other Non-Interest Income	-583.03	16,445	21,863	24,347	18,838	23,545	Upgrade
Total Non-Interest Income	548,983	414,712	614,372	111,376	71,353	73,893	Upgrade
Non-Interest Income Growth (YoY)	36.04%	-32.50%	451.62%	56.09%	-3.44%	89.36%	Upgrade
Revenues Before Loan Losses	1,093,805	902,541	1,274,807	984,944	695,989	767,103	Upgrade
Provision for Loan Losses	461,739	156,401	581,058	3,885,062	322,513	383,543	Upgrade
Revenue	632,066	746,140	693,749	-2,900,118	373,476	383,560	Upgrade
Revenue Growth (YoY)	-17.94%	7.55%	-	-	-2.63%	-31.60%	Upgrade
Salaries and Employee Benefits	344,267	313,341	294,883	234,828	191,008	183,090	Upgrade
Selling, General & Administrative	282,120	303,644	286,079	165,932	121,767	124,324	Upgrade
Other Non-Interest Expense	15,805	4,017	1,426	1,978	3,005	4,567	Upgrade
Total Non-Interest Expense	650,231	617,749	577,563	403,013	309,365	309,303	Upgrade
EBT Excluding Unusual Items	-18,164	128,391	116,186	-3,303,131	64,111	74,257	Upgrade
Legal Settlements	-5,069	-	-	-	-39.17	-59.19	Upgrade
Pretax Income	-23,233	128,391	116,186	-3,303,131	64,072	74,198	Upgrade
Income Tax Expense	-66,796	104,040	104,726	-257,430	32,811	23,137	Upgrade
Net Income	43,562	24,351	11,461	-3,045,701	31,261	51,061	Upgrade
Net Income to Common	43,562	24,351	11,461	-3,045,701	31,261	51,061	Upgrade
Net Income Growth	-	112.48%	-	-	-38.78%	-75.00%	Upgrade
Basic Shares Outstanding	24,809	24,740	22,750	21,521	21,343	21,343	Upgrade
Diluted Shares Outstanding	24,809	24,740	22,751	21,521	21,380	21,343	Upgrade
Shares Change (YoY)	2.61%	8.75%	5.71%	0.66%	0.17%	9.45%	Upgrade
EPS (Basic)	1.76	0.98	0.50	-141.52	1.46	2.39	Upgrade
EPS (Diluted)	1.75	0.98	0.50	-141.52	1.46	2.39	Upgrade
EPS Growth	-	96.00%	-	-	-38.91%	-77.17%	Upgrade
Effective Tax Rate	-	81.03%	90.14%	-	51.21%	31.18%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.