PT Bank Tabungan Negara (Persero) Tbk (IDX:BBTN)

IDX:BBTN 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	33,067,487	29,541,592	28,281,252	25,907,368	25,794,958	25,116,488
Interest Paid on Deposits	16,117,563	15,913,459	13,203,108	9,866,919	11,670,728	14,687,492
Net Interest Income	16,949,924	13,628,133	15,078,144	16,040,449	14,124,230	10,428,996
Net Interest Income Growth (YoY)	21.91%	-9.62%	-6.00%	13.57%	35.43%	-1.17%
Gain (Loss) on Sale of Investments	1,250,044	971,680	544,083	-510,210	741,297	770,023
Other Non-Interest Income	-236,765	89,561	759,239	745,051	183,533	-35,399
Total Non-Interest Income	1,012,302	1,061,241	1,303,322	234,841	924,830	734,624
Non-Interest Income Growth (YoY)	-60.42%	-18.57%	454.98%	-74.61%	25.89%	81.09%
Revenues Before Loan Losses	17,962,226	14,689,374	16,381,466	16,275,290	15,049,060	11,163,620
Provision for Loan Losses	3,374,529	642,742	2,831,206	3,585,787	3,322,667	1,982,941
Revenue	14,587,697	14,046,632	13,550,260	12,689,503	11,726,393	9,180,679
Revenue Growth (YoY)	0.97%	3.66%	6.78%	8.21%	27.73%	21.04%
Salaries and Employee Benefits	2,910,036	2,935,495	2,487,383	2,236,249	2,090,501	2,977,208
Federal Deposit Insurance	729,685	729,685	656,774	599,991	619,667	469,360
Selling, General & Administrative	4,473,619	4,456,861	3,884,779	3,754,028	3,358,846	3,114,260
Other Non-Interest Expense	965,923	589,798	486,475	330,383	509,192	289,566
Total Non-Interest Expense	9,116,864	8,763,711	7,674,930	6,859,764	6,621,718	6,909,822
EBT Excluding Unusual Items	5,470,833	5,282,921	5,875,330	5,829,739	5,104,675	2,270,857
Legal Settlements	-	-	-	-	-418,931	-
Other Unusual Items	-1,444,745	-1,510,080	-1,495,120	-1,954,049	-1,692,424	-
Pretax Income	4,026,088	3,772,841	4,380,210	3,875,690	2,993,320	2,270,857
Income Tax Expense	814,233	765,513	879,222	830,617	617,093	668,499
Net Income	3,211,855	3,007,328	3,500,988	3,045,073	2,376,227	1,602,358
Net Income to Common	3,211,855	3,007,328	3,500,988	3,045,073	2,376,227	1,602,358
Net Income Growth	-8.97%	-14.10%	14.97%	28.15%	48.30%	665.71%
Basic Shares Outstanding	14,009	14,034	14,022	10,590	10,590	10,590
Diluted Shares Outstanding	14,009	14,034	14,022	10,590	10,879	10,590
Shares Change (YoY)	-0.18%	0.09%	32.41%	-2.66%	2.73%	-
EPS (Basic)	229.27	214.29	249.68	287.54	224.38	151.31
EPS (Diluted)	228.98	214.00	249.00	287.54	218.00	151.31
EPS Growth	-8.67%	-14.06%	-13.40%	31.90%	44.08%	665.71%
Dividend Per Share	53.570	53.570	49.891	43.394	-	-
Dividend Growth	7.37%	7.37%	14.97%	-	-	-
Effective Tax Rate	20.22%	20.29%	20.07%	21.43%	20.62%	29.44%

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