PT Bank Raya Indonesia Tbk (IDX:AGRO)

IDX:AGRO Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,122,226	1,045,261	890,959	1,029,970	1,647,185	1,931,525
Interest Paid on Deposits	491,367	473,292	403,130	369,535	773,616	1,306,889
Net Interest Income	630,859	571,969	487,829	660,436	873,569	624,636
Net Interest Income Growth (YoY)	19.30%	17.25%	-26.14%	-24.40%	39.85%	-9.89%
Gain (Loss) on Sale of Assets	633.45	263.32	1,145	1,673	620.89	5.75
Gain (Loss) on Sale of Investments	269,802	516,540	397,122	590,835	86,407	52,510
Other Non-Interest Income	21,808	13,420	16,445	21,863	24,347	18,838
Total Non-Interest Income	292,244	530,224	414,712	614,372	111,376	71,353
Non-Interest Income Growth (YoY)	-48.70%	27.85%	-32.50%	451.62%	56.09%	-3.44%
Revenues Before Loan Losses	923,103	1,102,194	902,541	1,274,807	984,944	695,989
Provision for Loan Losses	265,845	410,261	156,401	581,058	3,885,062	322,513
Revenue	657,258	691,933	746,140	693,749	-2,900,118	373,476
Revenue Growth (YoY)	0.31%	-7.27%	7.55%	-	-	-2.63%
Salaries and Employee Benefits	304,440	320,720	313,341	294,883	234,828	191,008
Selling, General & Administrative	319,969	315,152	303,644	286,079	165,932	121,767
Other Non-Interest Expense	2,487	3,422	4,017	1,426	1,978	3,005
Total Non-Interest Expense	618,516	636,591	617,749	577,563	403,013	309,365
EBT Excluding Unusual Items	38,742	55,342	128,391	116,186	-3,303,131	64,111
Legal Settlements	6,702	-	-	-	-	-39.17
Pretax Income	45,444	55,342	128,391	116,186	-3,303,131	64,072
Income Tax Expense	-18,359	4,450	104,040	104,726	-257,430	32,811
Net Income	63,803	50,892	24,351	11,461	-3,045,701	31,261
Net Income to Common	63,803	50,892	24,351	11,461	-3,045,701	31,261
Net Income Growth	81.77%	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)	-0.28%	-	8.75%	5.71%	0.66%	0.17%
EPS (Basic)	2.58	2.06	0.98	0.50	-141.52	1.46
EPS (Diluted)	2.58	2.06	0.98	0.50	-141.52	1.46
EPS Growth	83.21%	109.90%	96.00%	-	-	-38.91%
Effective Tax Rate	-	8.04%	81.03%	90.14%	-	51.21%

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