PT Bank Neo Commerce Tbk (IDX:BBYB)

PT Bank Neo Commerce Tbk Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,083,998	249,026	1,473,950	3,229,689	1,836,245	242,837
Investment Securities	8,031,934	6,560,283	3,954,562	3,485,876	3,362,835	861,214
Total Investments	8,031,934	6,560,283	3,954,562	3,485,876	3,362,835	861,214
Gross Loans	7,489,576	8,822,146	10,783,341	10,244,251	4,275,500	3,665,339
Allowance for Loan Losses	-519,165	-635,245	-625,422	-210,523	-100,656	-102,603
Net Loans	6,970,411	8,186,901	10,157,919	10,033,728	4,174,844	3,562,736
Property, Plant & Equipment	271,795	308,368	315,370	292,415	194,121	108,804
Other Intangible Assets	135,002	134,577	144,786	127,349	97,614	1,186
Accrued Interest Receivable	209,350	252,982	327,565	248,623	55,790	37,380
Other Receivables	348,594	242,017	444,060	590,111	680,360	107,448
Restricted Cash	1,240,776	1,274,118	1,128,999	1,360,172	561,427	106,241
Other Current Assets	71,241	54,130	121,751	147,044	158,319	161,131
Long-Term Deferred Tax Assets	-	14,883	-	14,567	1,148	-
Other Real Estate Owned & Foreclosed	32,779	87,911	97,944	163,493	213,418	231,402
Other Long-Term Assets	32,878	43,869	2,635	1,213	1,688	945.7
Total Assets	18,428,758	17,409,065	18,169,541	19,694,280	11,337,809	5,421,324
Accrued Expenses	113,164	137,392	272,211	284,812	33,135	6,387
Interest Bearing Deposits	13,693,250	13,195,457	13,897,487	14,739,873	8,171,257	4,265,064
Total Deposits	13,693,250	13,195,457	13,897,487	14,739,873	8,171,257	4,265,064
Short-Term Borrowings	183,044	187,308	301,788	585,367	-	-
Current Portion of Leases	24,103	29,643	27,651	18,039	3,914	3,994
Current Income Taxes Payable	17,174	15,076	21,868	21,710	9,707	5,088
Accrued Interest Payable	111,453	106,220	83,628	67,152	34,151	12,125
Other Current Liabilities	55,727	84,531	186,878	185,753	133,514	426.5
Long-Term Leases	34,322	50,760	25,170	32,495	54,014	1,663
Long-Term Unearned Revenue	11	13	2,061	2,524	484	188.59
Pension & Post-Retirement Benefits	23,220	22,540	14,592	9,707	6,370	1,252
Long-Term Deferred Tax Liabilities	14,992	-	985	-	-	2,636
Other Long-Term Liabilities	24,449	18,288	12,183	2,258	1,436	1,882
Total Liabilities	14,294,909	13,847,228	14,846,502	15,949,690	8,447,982	4,300,705
Common Stock	1,335,048	1,335,048	1,203,882	942,168	942,168	666,180
Additional Paid-In Capital	4,485,444	4,485,444	4,253,905	2,825,444	2,827,225	350,502
Retained Earnings	-1,811,594	-2,275,696	-2,295,724	-1,724,379	-932,659	54,532
Comprehensive Income & Other	124,951	17,041	160,976	1,701,357	53,093	49,406
Shareholders' Equity	4,133,849	3,561,837	3,323,039	3,744,590	2,889,827	1,120,619
Total Liabilities & Equity	18,428,758	17,409,065	18,169,541	19,694,280	11,337,809	5,421,324
Total Debt	241,469	267,711	354,609	635,901	57,928	5,657
Net Cash (Debt)	2,619,531	1,859,646	1,725,821	2,593,788	3,970,153	845,164
Net Cash Growth	23.89%	7.75%	-33.46%	-34.67%	369.75%	74.03%
Net Cash Per Share	193.06	147.77	143.35	275.29	459.19	143.58
Filing Date Shares Outstanding	13,350	13,350	12,039	9,422	9,422	6,662
Total Common Shares Outstanding	13,350	13,350	12,039	9,422	9,422	6,662
Book Value Per Share	309.64	266.79	276.03	397.44	306.72	168.22
Tangible Book Value	3,998,847	3,427,260	3,178,253	3,617,241	2,792,213	1,119,434
Tangible Book Value Per Share	299.53	256.71	264.00	383.93	296.36	168.04

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