PT Bank Neo Commerce 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	3,304,960	3,612,292	3,847,049	2,161,809	665,651	435,201
Interest Paid on Deposits	792,470	871,037	944,568	713,152	350,561	276,970
Net Interest Income	2,512,490	2,741,255	2,902,481	1,448,657	315,090	158,231
Net Interest Income Growth (YoY)	-13.02%	-5.56%	100.36%	359.76%	99.13%	-26.78%
Gain (Loss) on Sale of Assets	490	141	39	-276	122	-362.53
Gain (Loss) on Sale of Investments	4,299	-	-	-	-	-
Other Non-Interest Income	201,646	265,032	332,538	323,999	127,397	83,160
Total Non-Interest Income	206,435	265,173	332,577	323,723	127,519	82,797
Non-Interest Income Growth (YoY)	-33.63%	-20.27%	2.73%	153.86%	54.01%	442.07%
Revenues Before Loan Losses	2,718,925	3,006,428	3,235,058	1,772,380	442,609	241,028
Provision for Loan Losses	1,321,479	2,007,396	2,457,359	941,686	193,407	21,746
Revenue	1,397,446	999,032	777,699	830,694	249,202	219,282
Revenue Growth (YoY)	40.62%	28.46%	-6.38%	233.34%	13.64%	-5.88%
Salaries and Employee Benefits	363,671	356,761	316,167	242,496	172,289	96,480
Selling, General & Administrative	547,163	606,963	636,386	1,227,536	1,062,077	106,032
Other Non-Interest Expense	-	6,712	400,021	145,940	-	-
Total Non-Interest Expense	919,016	980,348	1,351,571	1,616,636	1,238,322	203,455
EBT Excluding Unusual Items	478,430	18,684	-573,872	-785,942	-989,120	15,827
Asset Writedown	-	-	-	-	-1,300	-
Pretax Income	478,430	18,684	-573,872	-785,942	-990,420	15,827
Income Tax Expense	-1,395	-1,201	-692	3,117	-4,131	-44.14
Net Income	479,825	19,885	-573,180	-789,059	-986,289	15,872
Net Income to Common	479,825	19,885	-573,180	-789,059	-986,289	15,872
Net Income Growth	-	-	-	-	-	-0.82%
Basic Shares Outstanding	13,568	12,585	12,039	9,422	8,646	5,887
Diluted Shares Outstanding	13,568	12,585	12,039	9,422	8,646	5,887
Shares Change (YoY)	12.70%	4.54%	27.77%	8.97%	46.88%	9.28%
EPS (Basic)	35.36	1.58	-47.61	-83.75	-114.07	2.70
EPS (Diluted)	35.36	1.58	-47.61	-83.75	-114.07	2.70
EPS Growth	-	-	-	-	-	-9.22%

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