PT Bank Ganesha Tbk Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	726,570	723,201	592,752	433,413	317,228	354,870
Interest Paid on Deposits	279,076	248,198	140,825	111,692	135,705	183,947
Net Interest Income	447,494	475,003	451,927	321,721	181,523	170,923
Net Interest Income Growth (YoY)	-4.22%	5.11%	40.47%	77.23%	6.20%	-10.97%
Gain (Loss) on Sale of Assets	236	182	1,091	149	536	96
Gain (Loss) on Sale of Investments	43,630	11,945	7,336	4,447	6,845	14,339
Other Non-Interest Income	28,930	49,258	44,552	38,775	34,815	33,331
Total Non-Interest Income	72,796	61,385	52,979	43,371	42,196	47,766
Non-Interest Income Growth (YoY)	19.44%	15.87%	22.15%	2.79%	-11.66%	27.99%
Revenues Before Loan Losses	520,290	536,388	504,906	365,092	223,719	218,689
Provision for Loan Losses	-42,118	44,044	140,998	114,048	51,852	58,098
Revenue	562,408	492,344	363,908	251,044	171,867	160,591
Revenue Growth (YoY)	17.77%	35.29%	44.96%	46.07%	7.02%	-4.48%
Salaries and Employee Benefits	167,017	152,390	157,027	104,630	89,829	93,424
Federal Deposit Insurance	12,587	10,634	10,208	16,130	10,249	7,336
Selling, General & Administrative	64,772	62,414	59,594	54,908	46,801	46,996
Other Non-Interest Expense	7,808	6,364	4,932	6,419	4,421	4,445
Total Non-Interest Expense	252,197	231,367	234,929	188,485	155,813	154,983
EBT Excluding Unusual Items	310,211	260,977	128,979	62,559	16,054	5,608
Asset Writedown	1,331	-6,300	-195	-5,135	-1,403	-606
Pretax Income	311,542	254,677	128,784	57,424	14,651	5,002
Income Tax Expense	70,385	52,963	24,819	11,381	3,785	1,804
Net Income	241,157	201,714	103,965	46,043	10,866	3,198
Net Income to Common	241,157	201,714	103,965	46,043	10,866	3,198
Net Income Growth	40.58%	94.02%	125.80%	323.74%	239.77%	-72.99%
Basic Shares Outstanding	23,971	23,971	20,724	16,252	11,175	11,175
Diluted Shares Outstanding	23,971	23,971	20,724	16,252	11,175	11,175
Shares Change (YoY)	15.67%	15.67%	27.52%	45.43%	-	-
EPS (Basic)	10.06	8.41	5.02	2.83	0.97	0.29
EPS (Diluted)	10.06	8.41	5.02	2.80	0.97	0.29
EPS Growth	21.54%	67.74%	79.16%	188.66%	238.96%	-72.99%
Effective Tax Rate	22.59%	20.80%	19.27%	19.82%	25.83%	36.07%

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