PT Bank Capital Indonesia Tbk (IDX:BACA)

Sandy Spring Bancorp 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	1,219,416	979,700	838,840	625,261	846,721	1,150,436
Interest Paid on Deposits	972,761	1,032,545	1,186,008	1,020,133	1,362,416	1,103,081
Net Interest Income	246,655	-52,845	-347,168	-394,872	-515,695	47,355
Net Interest Income Growth (YoY)	-	-	-	-	-	-86.36%
Income From Trading Activities	5,625	-	-	-	44,657	-
Gain (Loss) on Sale of Investments	17,095	12,092	22,102	32,912	-14,987	6,443
Other Non-Interest Income	767,428	953,900	950,976	876,147	900,609	307,664
Total Non-Interest Income	790,148	965,992	973,078	909,059	930,279	314,107
Non-Interest Income Growth (YoY)	-17.58%	-0.73%	7.04%	-2.28%	196.17%	48.91%
Revenues Before Loan Losses	1,036,803	913,147	625,910	514,187	414,584	361,462
Provision for Loan Losses	15,309	21,739	22,795	10,883	-50,213	-104,103
Revenue	1,021,494	891,408	603,115	503,304	464,797	465,565
Revenue Growth (YoY)	29.76%	47.80%	19.83%	8.29%	-0.17%	16.63%
Salaries and Employee Benefits	218,081	210,187	212,793	202,072	180,894	185,117
Selling, General & Administrative	650,921	530,017	244,886	249,259	226,359	198,696
Total Non-Interest Expense	878,173	747,919	472,475	461,860	416,103	386,606
EBT Excluding Unusual Items	143,321	143,489	130,640	41,444	48,694	78,959
Pretax Income	143,321	143,489	130,640	41,444	48,694	78,959
Income Tax Expense	34,074	34,111	28,873	9,315	13,909	17,545
Net Income	109,247	109,378	101,767	32,129	34,785	61,414
Net Income to Common	109,247	109,378	101,767	32,129	34,785	61,414
Net Income Growth	-7.96%	7.48%	216.75%	-7.63%	-43.36%	286.59%
Basic Shares Outstanding	19,953	19,953	19,953	19,953	7,079	7,071
Diluted Shares Outstanding	19,953	19,953	19,953	39,182	7,538	7,534
Shares Change (YoY)	-	-	-49.08%	419.80%	0.04%	1.07%
EPS (Basic)	5.48	5.48	5.10	1.61	4.91	8.68
EPS (Diluted)	5.48	5.48	5.10	0.82	4.62	8.15
EPS Growth	-7.96%	7.48%	521.99%	-82.25%	-43.32%	282.68%
Effective Tax Rate	23.77%	23.77%	22.10%	22.48%	28.56%	22.22%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.