IDX:AGRO Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	1,165,497	1,045,261	890,959	1,029,970	1,647,185	1,931,525
Interest Paid on Deposits	497,550	473,292	403,130	369,535	773,616	1,306,889
Net Interest Income	667,947	571,969	487,829	660,436	873,569	624,636
Net Interest Income Growth (YoY)	22.60%	17.25%	-26.14%	-24.40%	39.85%	-9.89%
Gain (Loss) on Sale of Assets	772.23	263.32	1,145	1,673	620.89	5.75
Gain (Loss) on Sale of Investments	234,378	516,540	397,122	590,835	86,407	52,510
Other Non-Interest Income	25,877	13,420	16,445	21,863	24,347	18,838
Total Non-Interest Income	261,027	530,224	414,712	614,372	111,376	71,353
Non-Interest Income Growth (YoY)	-52.45%	27.85%	-32.50%	451.62%	56.09%	-3.44%
Revenues Before Loan Losses	928,974	1,102,194	902,541	1,274,807	984,944	695,989
Provision for Loan Losses	220,802	410,261	156,401	581,058	3,885,062	322,513
Revenue	708,171	691,933	746,140	693,749	-2,900,118	373,476
Revenue Growth (YoY)	12.04%	-7.27%	7.55%	-	-	-2.63%
Salaries and Employee Benefits	281,819	320,720	313,341	294,883	234,828	191,008
Selling, General & Administrative	335,174	315,152	303,644	286,079	165,932	121,767
Other Non-Interest Expense	4,719	3,422	4,017	1,426	1,978	3,005
Total Non-Interest Expense	603,581	636,591	617,749	577,563	403,013	309,365
EBT Excluding Unusual Items	104,590	55,342	128,391	116,186	-3,303,131	64,111
Legal Settlements	3,302	-	-	-	-	-39.17
Pretax Income	107,892	55,342	128,391	116,186	-3,303,131	64,072
Income Tax Expense	48,906	4,450	104,040	104,726	-257,430	32,811
Net Income	58,986	50,892	24,351	11,461	-3,045,701	31,261
Net Income to Common	58,986	50,892	24,351	11,461	-3,045,701	31,261
Net Income Growth	35.41%	108.99%	112.48%	-	-	-38.78%
Basic Shares Outstanding	24,740	24,740	24,740	22,750	21,521	21,343
Diluted Shares Outstanding	24,740	24,740	24,740	22,751	21,521	21,380
Shares Change (YoY)	-0.27%	-	8.75%	5.71%	0.66%	0.17%
EPS (Basic)	2.38	2.06	0.98	0.50	-141.52	1.46
EPS (Diluted)	2.38	2.06	0.98	0.50	-141.52	1.46
EPS Growth	36.44%	109.90%	96.00%	-	-	-38.91%
Effective Tax Rate	45.33%	8.04%	81.03%	90.14%	-	51.21%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.