PT Bank JTrust Indonesia Tbk (IDX: BCIC)

BCIC Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	2,959,013	2,525,270	1,678,244	991,353	978,794	1,132,243
Interest Paid on Deposits	2,130,881	1,720,209	1,050,597	888,773	952,653	1,081,987
Net Interest Income	828,132	805,061	627,647	102,580	26,141	50,256
Net Interest Income Growth (YoY)	7.05%	28.27%	511.86%	292.41%	-47.98%	-87.16%
Gain (Loss) on Sale of Assets	160	50	-25	77	-69	-18
Gain (Loss) on Sale of Investments	10,625	10,625	24,056	10,316	-42,034	6,643
Other Non-Interest Income	287,466	245,175	575,745	42,191	22,581	70,850
Total Non-Interest Income	296,787	255,850	599,776	52,584	-19,522	77,475
Non-Interest Income Growth (YoY)	-48.67%	-57.34%	1040.61%	-	-	25.96%
Revenues Before Loan Losses	1,124,919	1,060,911	1,227,423	155,164	6,619	127,731
Provision for Loan Losses	9,579	26,896	-36,325	45,671	6,272	-449,053
Revenue	1,115,340	1,034,015	1,263,748	109,493	347	576,784
Revenue Growth (YoY)	-18.10%	-18.18%	1054.18%	31454.18%	-99.94%	93.20%
Salaries and Employee Benefits	361,436	333,839	284,395	268,782	259,628	260,154
Selling, General & Administrative	680,315	669,866	931,839	365,225	324,651	299,569
Other Non-Interest Expense	7,965	5,388	2,354	4,325	1,007	5,521
Total Non-Interest Expense	1,043,645	1,012,205	1,215,637	657,965	581,778	527,485
EBT Excluding Unusual Items	71,695	21,810	48,111	-548,472	-581,431	49,299
Asset Writedown	-	-	-864	-	-	-
Pretax Income	71,695	21,810	47,247	-548,472	-581,431	49,299
Income Tax Expense	-6,092	-6,092	-39,374	-103,049	-96,990	-196
Net Income	77,787	27,902	86,621	-445,423	-484,441	49,495
Net Income to Common	77,787	27,902	86,621	-445,423	-484,441	49,495
Net Income Growth	-31.10%	-67.79%	-	-	-	-
Basic Shares Outstanding	18,110	18,110	15,827	10,567	10,012	10,012
Diluted Shares Outstanding	18,110	18,110	15,827	10,567	10,012	10,012
Shares Change (YoY)	-0.03%	14.42%	49.79%	5.54%	-	-
EPS (Basic)	4.30	1.54	5.47	-42.15	-48.39	4.94
EPS (Diluted)	4.29	1.54	5.47	-42.15	-48.39	4.94
EPS Growth	-31.06%	-71.85%	-	-	-	-

Source: S&P Capital IQ. Banks template. Financial Sources.