IDX:BFIN Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 and Dividend Income	6,483,984	6,084,290	6,125,068	5,140,275	3,852,959
Total Interest Expense	939,515	930,537	951,310	624,099	570,086
Net Interest Income	5,544,469	5,153,753	5,173,758	4,516,176	3,282,873
Revenue Before Loan Losses	5,544,469	5,153,753	5,173,758	4,516,176	3,282,873
Provision for Loan Losses	1,091,382	850,336	786,049	367,458	434,560
Revenue	4,453,087	4,303,417	4,387,709	4,148,718	2,848,313
Revenue Growth (YoY)	3.48%	-1.92%	5.76%	45.66%	17.27%
Salaries & Employee Benefits	1,517,111	1,517,239	1,457,103	1,324,648	1,023,279
Cost of Services Provided	897,682	875,425	870,505	771,052	647,148
Other Operating Expenses	-246,866	-237,001	-180,519	-229,959	-298,901
Total Operating Expenses	2,483,723	2,385,121	2,375,959	1,930,246	1,447,108
Operating Income	1,969,364	1,918,296	2,011,750	2,218,472	1,401,205
EBT Excluding Unusual Items	1,969,364	1,918,296	2,011,750	2,218,472	1,401,205
Pretax Income	1,973,081	1,926,614	2,025,252	2,238,681	1,410,958
Income Tax Expense	391,591	361,940	381,453	432,002	279,620
Earnings From Continuing Ops.	1,581,490	1,564,674	1,643,799	1,806,679	1,131,338
Minority Interest in Earnings	351	137	89	1	-45
Net Income	1,581,841	1,564,811	1,643,888	1,806,680	1,131,293
Net Income to Common	1,581,841	1,564,811	1,643,888	1,806,680	1,131,293
Net Income Growth	1.09%	-4.81%	-9.01%	59.70%	61.25%
Shares Outstanding (Basic)	15,396	15,039	15,039	14,975	14,964
Shares Outstanding (Diluted)	15,396	15,039	15,039	14,975	14,964
Shares Change (YoY)	2.37%	-	0.43%	0.07%	-
EPS (Basic)	102.74	104.05	109.31	120.65	75.60
EPS (Diluted)	102.74	104.05	109.31	120.65	75.60
EPS Growth	-1.25%	-4.81%	-9.40%	59.59%	61.25%
Free Cash Flow	1,280,850	392,028	108,952	-3,685,627	443,025
Free Cash Flow Per Share	83.19	26.07	7.24	-246.12	29.61
Dividend Per Share	-	60.000	55.000	60.000	17.000
Dividend Growth	-	9.09%	-8.33%	252.94%	-5.56%
Operating Margin	44.22%	44.58%	45.85%	53.47%	49.19%
Profit Margin	35.52%	36.36%	37.47%	43.55%	39.72%
Free Cash Flow Margin	28.76%	9.11%	2.48%	-88.84%	15.55%
Effective Tax Rate	19.85%	18.79%	18.83%	19.30%	19.82%
Revenue as Reported	6,747,819	6,335,070	6,353,113	5,383,010	4,122,555

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.