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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	712,589	714,085	723,201	592,752	433,413	317,228
Interest Paid on Deposits	306,762	295,371	248,198	140,825	111,692	135,705
Net Interest Income	405,827	418,714	475,003	451,927	321,721	181,523
Net Interest Income Growth	-12.57%	-11.85%	5.11%	40.47%	77.23%	6.20%
Gain (Loss) on Sale of Assets	332	233	182	1,091	149	536
Gain (Loss) on Sale of Investments	60,871	63,949	10,403	7,336	4,447	6,845
Other Non-Interest Income	23,670	27,551	56,266	44,552	38,775	34,815
Total Non-Interest Income	84,873	91,733	66,851	52,979	43,371	42,196
Non-Interest Income Growth	-0.80%	37.22%	26.18%	22.15%	2.79%	-11.66%
Revenues Before Loan Losses	490,700	510,447	541,854	504,906	365,092	223,719
Provision for Loan Losses	-62,195	-38,299	44,044	140,998	114,048	51,852
Revenue	552,895	548,746	497,810	363,908	251,044	171,867
Revenue Growth	1.42%	10.23%	36.80%	44.96%	46.07%	7.02%
Salaries and Employee Benefits	154,178	164,889	152,390	157,027	104,630	89,829
Federal Deposit Insurance	12,856	12,588	10,634	10,208	16,130	10,249
Selling, General & Administrative	65,100	63,606	62,414	59,594	54,908	46,801
Other Non-Interest Expense	11,573	10,046	6,364	4,932	6,419	4,421
Total Non-Interest Expense	252,820	256,780	236,833	234,929	188,485	155,813
EBT Excluding Unusual Items	300,075	291,966	260,977	128,979	62,559	16,054
Asset Writedown	-1,357	-1,357	-6,300	-195	-5,135	-1,403
Pretax Income	298,718	290,609	254,677	128,784	57,424	14,651
Income Tax Expense	65,295	63,511	52,963	24,819	11,381	3,785
Net Income	233,423	227,098	201,714	103,965	46,043	10,866
Net Income to Common	233,423	227,098	201,714	103,965	46,043	10,866
Net Income Growth	-6.22%	12.58%	94.02%	125.80%	323.74%	239.77%
Basic Shares Outstanding	23,971	23,971	23,971	20,724	16,252	11,175
Diluted Shares Outstanding	23,971	23,971	23,971	20,724	16,252	11,175
Shares Change	-	-	15.67%	27.52%	45.43%	-
EPS (Basic)	9.74	9.47	8.41	5.02	2.83	0.97
EPS (Diluted)	9.74	9.47	8.41	5.02	2.80	0.97
EPS Growth	-6.20%	12.58%	67.74%	79.16%	188.66%	238.96%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Effective Tax Rate	21.86%	21.85%	20.80%	19.27%	19.82%	25.83%