BCIC Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Jun '24 Jun 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Interest Income on Loans	2,834,517	2,525,270	1,678,244	991,353	978,794	1,132,243	Upgrade
Interest Paid on Deposits	2,022,401	1,720,209	1,050,597	888,773	952,653	1,081,987	Upgrade
Net Interest Income	812,116	805,061	627,647	102,580	26,141	50,256	Upgrade
Net Interest Income Growth (YoY)	8.83%	28.27%	511.86%	292.41%	-47.98%	-87.16%	Upgrade
Gain (Loss) on Sale of Assets	180	50	-25	77	-69	-18	Upgrade
Gain (Loss) on Sale of Investments	5,534	10,625	24,056	10,316	-42,034	6,643	Upgrade
Other Non-Interest Income	259,219	245,175	575,745	42,191	22,581	70,850	Upgrade
Total Non-Interest Income	264,933	255,850	599,776	52,584	-19,522	77,475	Upgrade
Non-Interest Income Growth (YoY)	-55.11%	-57.34%	1040.61%	-	-	25.96%	Upgrade
Revenues Before Loan Losses	1,077,049	1,060,911	1,227,423	155,164	6,619	127,731	Upgrade
Provision for Loan Losses	23,839	26,896	-36,325	45,671	6,272	-449,053	Upgrade
Revenue	1,053,210	1,034,015	1,263,748	109,493	347	576,784	Upgrade
Revenue Growth (YoY)	-23.77%	-18.18%	1054.18%	31454.18%	-99.94%	93.20%	Upgrade
Salaries and Employee Benefits	356,247	333,839	284,395	268,782	259,628	260,154	Upgrade
Selling, General & Administrative	675,509	669,866	931,839	365,225	324,651	299,569	Upgrade
Other Non-Interest Expense	5,388	5,388	2,354	4,325	1,007	5,521	Upgrade
Total Non-Interest Expense	1,035,530	1,012,205	1,215,637	657,965	581,778	527,485	Upgrade
EBT Excluding Unusual Items	17,680	21,810	48,111	-548,472	-581,431	49,299	Upgrade
Asset Writedown	-	-	-864	-	-	-	Upgrade
Pretax Income	17,680	21,810	47,247	-548,472	-581,431	49,299	Upgrade
Income Tax Expense	-6,092	-6,092	-39,374	-103,049	-96,990	-196	Upgrade
Net Income	23,772	27,902	86,621	-445,423	-484,441	49,495	Upgrade
Net Income to Common	23,772	27,902	86,621	-445,423	-484,441	49,495	Upgrade
Net Income Growth	-85.28%	-67.79%	-	-	-	-	Upgrade
Basic Shares Outstanding	18,110	18,110	15,827	10,567	10,012	10,012	Upgrade
Diluted Shares Outstanding	18,110	18,110	15,827	10,567	10,012	10,012	Upgrade
Shares Change (YoY)	-7.60%	14.42%	49.79%	5.54%	-	-	Upgrade
EPS (Basic)	1.31	1.54	5.47	-42.15	-48.39	4.94	Upgrade
EPS (Diluted)	1.31	1.54	5.47	-42.15	-48.39	4.94	Upgrade
EPS Growth	-84.08%	-71.85%	-	-	-	-	Upgrade

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