PT Bank IBK Indonesia Tbk 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	802,814	1,368,514	1,263,572	784,055	544,257	443,744
Interest Paid on Deposits	210,529	787,275	776,291	376,298	237,244	271,505
Net Interest Income	592,285	581,239	487,281	407,757	307,013	172,239
Net Interest Income Growth (YoY)	8.26%	19.28%	19.50%	32.81%	78.25%	3.61%
Gain (Loss) on Sale of Assets	-380	73	49	2,234	-2	-
Gain (Loss) on Sale of Investments	-	-	-	-	11,362	6,042
Other Non-Interest Income	126,260	101,650	94,521	109,645	60,382	33,239
Total Non-Interest Income	125,880	101,723	94,570	111,879	71,742	39,281
Non-Interest Income Growth (YoY)	46.00%	7.56%	-15.47%	55.95%	82.64%	106.61%
Revenues Before Loan Losses	718,165	682,962	581,851	519,636	378,755	211,520
Provision for Loan Losses	-1,347	-22,315	29,251	94,414	54,737	51,017
Revenue	719,512	705,277	552,600	425,222	324,018	160,503
Revenue Growth (YoY)	14.55%	27.63%	29.96%	31.23%	101.88%	-
Salaries and Employee Benefits	227,589	216,267	191,597	156,087	157,692	146,021
Selling, General & Administrative	195,005	200,564	177,276	168,204	152,416	186,376
Other Non-Interest Expense	11,906	8,437	7,082	5,779	3,720	698
Total Non-Interest Expense	434,500	425,268	375,955	330,070	313,953	333,089
EBT Excluding Unusual Items	285,012	280,009	176,645	95,152	10,065	-172,586
Pretax Income	285,012	280,009	176,645	95,152	10,065	-172,586
Income Tax Expense	78,859	64,158	-6,650	-8,302	-2,705	4,277
Net Income	206,153	215,851	183,295	103,454	12,770	-176,863
Net Income to Common	206,153	215,851	183,295	103,454	12,770	-176,863
Net Income Growth	3.91%	17.76%	77.18%	710.13%	-	-
Basic Shares Outstanding	49,393	41,832	31,842	21,742	14,694	11,226
Diluted Shares Outstanding	49,393	41,832	31,842	21,742	14,694	11,226
Shares Change (YoY)	25.23%	31.37%	46.45%	47.96%	30.90%	91.13%
EPS (Basic)	4.17	5.16	5.76	4.76	0.87	-15.75
EPS (Diluted)	4.17	5.16	5.76	4.76	0.87	-15.75
EPS Growth	-17.03%	-10.36%	20.98%	447.54%	-	-
Effective Tax Rate	27.67%	22.91%	-	-	-	-

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