PT Bank Ganesha Tbk (IDX:BGTG)

PT Bank Ganesha Tbk Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	742,826	723,201	592,752	433,413	317,228	354,870
Interest Paid on Deposits	266,118	248,198	140,825	111,692	135,705	183,947
Net Interest Income	476,708	475,003	451,927	321,721	181,523	170,923
Net Interest Income Growth (YoY)	4.17%	5.11%	40.47%	77.23%	6.20%	-10.97%
Gain (Loss) on Sale of Assets	181	182	1,091	149	536	96
Gain (Loss) on Sale of Investments	24,746	11,945	7,336	4,447	6,845	14,339
Other Non-Interest Income	51,457	49,258	44,552	38,775	34,815	33,331
Total Non-Interest Income	76,384	61,385	52,979	43,371	42,196	47,766
Non-Interest Income Growth (YoY)	78.64%	15.87%	22.15%	2.79%	-11.66%	27.99%
Revenues Before Loan Losses	553,092	536,388	504,906	365,092	223,719	218,689
Provision for Loan Losses	29,576	44,044	140,998	114,048	51,852	58,098
Revenue	523,516	492,344	363,908	251,044	171,867	160,591
Revenue Growth (YoY)	33.14%	35.29%	44.96%	46.07%	7.02%	-4.48%
Salaries and Employee Benefits	148,593	152,390	157,027	104,630	89,829	93,424
Federal Deposit Insurance	11,610	10,634	10,208	16,130	10,249	7,336
Selling, General & Administrative	62,158	62,414	59,594	54,908	46,801	46,996
Other Non-Interest Expense	6,629	6,364	4,932	6,419	4,421	4,445
Total Non-Interest Expense	227,403	231,367	234,929	188,485	155,813	154,983
EBT Excluding Unusual Items	296,113	260,977	128,979	62,559	16,054	5,608
Asset Writedown	-6,105	-6,300	-195	-5,135	-1,403	-606
Pretax Income	290,008	254,677	128,784	57,424	14,651	5,002
Income Tax Expense	61,744	52,963	24,819	11,381	3,785	1,804
Net Income	228,264	201,714	103,965	46,043	10,866	3,198
Net Income to Common	228,264	201,714	103,965	46,043	10,866	3,198
Net Income Growth	82.52%	94.02%	125.80%	323.74%	239.77%	-72.99%
Basic Shares Outstanding	24,001	23,971	20,724	16,252	11,175	11,175
Diluted Shares Outstanding	24,001	23,971	20,724	16,252	11,175	11,175
Shares Change (YoY)	15.92%	15.67%	27.52%	45.43%	-	-
EPS (Basic)	9.51	8.41	5.02	2.83	0.97	0.29
EPS (Diluted)	9.51	8.41	5.02	2.80	0.97	0.29
EPS Growth	57.57%	67.74%	79.16%	188.66%	238.96%	-72.99%
Effective Tax Rate	21.29%	20.80%	19.27%	19.82%	25.83%	36.07%

Updated Oct 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.