IDX:BCIC Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,753,661	2,897,429	3,024,176	2,525,270	1,678,244	991,353
Interest Paid on Deposits	1,994,171	2,128,833	2,222,046	1,720,209	1,050,597	888,773
Net Interest Income	759,490	768,596	802,130	805,061	627,647	102,580
Net Interest Income Growth (YoY)	-3.38%	-4.18%	-0.36%	28.27%	511.86%	292.41%
Gain (Loss) on Sale of Assets	91	198	142	50	-25	77
Gain (Loss) on Sale of Investments	12,968	18,715	7,032	10,625	24,056	10,316
Other Non-Interest Income	154,573	187,675	407,541	245,175	575,745	42,191
Total Non-Interest Income	167,632	206,588	414,715	255,850	599,776	52,584
Non-Interest Income Growth (YoY)	-65.90%	-50.19%	62.09%	-57.34%	1040.61%	-
Revenues Before Loan Losses	927,122	975,184	1,216,845	1,060,911	1,227,423	155,164
Provision for Loan Losses	173,846	171,653	49,391	26,896	-36,325	45,671
Revenue	753,276	803,531	1,167,454	1,034,015	1,263,748	109,493
Revenue Growth (YoY)	-38.50%	-31.17%	12.90%	-18.18%	1054.18%	31454.18%
Salaries and Employee Benefits	386,344	383,836	360,035	333,839	284,395	268,782
Selling, General & Administrative	729,310	726,255	701,775	669,866	931,839	365,225
Other Non-Interest Expense	15,368	10,071	7,109	5,388	2,354	4,325
Total Non-Interest Expense	1,147,997	1,135,854	1,060,978	1,012,205	1,215,637	657,965
EBT Excluding Unusual Items	-394,721	-332,323	106,476	21,810	48,111	-548,472
Asset Writedown	320	320	-	-	-864	-
Pretax Income	-394,401	-332,003	106,476	21,810	47,247	-548,472
Income Tax Expense	96,426	96,426	103,644	-6,092	-39,374	-103,049
Net Income	-490,827	-428,429	2,832	27,902	86,621	-445,423
Net Income to Common	-490,827	-428,429	2,832	27,902	86,621	-445,423
Net Income Growth	-	-	-89.85%	-67.79%	-	-
Basic Shares Outstanding	18,110	18,110	18,110	18,110	15,827	10,567
Diluted Shares Outstanding	18,110	18,110	18,110	18,110	15,827	10,567
Shares Change (YoY)	-	-	-	14.42%	49.79%	5.54%
EPS (Basic)	-27.10	-23.66	0.16	1.54	5.47	-42.15
EPS (Diluted)	-27.10	-23.66	0.16	1.54	5.47	-42.15
EPS Growth	-	-	-89.85%	-71.85%	-	-
Effective Tax Rate	-	-	97.34%	-	-	-