PT Bank Ina Perdana Tbk (IDX: BINA)

PT Bank Ina Perdana Tbk Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	1,889,265	1,726,605	1,172,750	673,334	430,256	353,519
Interest Paid on Deposits	1,185,173	1,016,631	613,873	461,747	261,553	203,573
Net Interest Income	704,092	709,974	558,877	211,587	168,703	149,946
Net Interest Income Growth (YoY)	-1.06%	27.04%	164.14%	25.42%	12.51%	5.16%
Gain (Loss) on Sale of Assets	232	22	-	-2	929	34
Gain (Loss) on Sale of Investments	29,519	31,982	8,695	75,931	54,559	-11
Other Non-Interest Income	27,750	26,055	20,490	18,117	17,467	13,597
Total Non-Interest Income	57,501	58,059	29,185	94,046	72,955	13,620
Non-Interest Income Growth (YoY)	4.47%	98.93%	-68.97%	28.91%	435.65%	90.86%
Revenues Before Loan Losses	761,593	768,033	588,062	305,633	241,658	163,566
Provision for Loan Losses	128,972	116,759	99,630	58,774	58,177	24,221
Revenue	632,621	651,274	488,432	246,859	183,481	139,345
Revenue Growth (YoY)	-3.63%	33.34%	97.86%	34.54%	31.67%	14.70%
Salaries and Employee Benefits	267,621	219,809	153,658	104,486	84,012	71,428
Selling, General & Administrative	170,046	150,218	120,094	77,768	66,246	55,467
Other Non-Interest Expense	7,405	13,716	11,827	14,428	4,602	2,510
Total Non-Interest Expense	445,072	383,743	285,579	196,682	154,860	129,405
EBT Excluding Unusual Items	187,549	267,531	202,853	50,177	28,621	9,940
Pretax Income	187,549	267,531	202,853	50,177	28,621	9,940
Income Tax Expense	39,929	59,655	45,805	10,429	9,245	2,825
Net Income	147,620	207,876	157,048	39,748	19,376	7,115
Net Income to Common	147,620	207,876	157,048	39,748	19,376	7,115
Net Income Growth	-36.56%	32.36%	295.11%	105.14%	172.33%	-37.56%
Basic Shares Outstanding	6,135	6,135	5,937	5,654	5,654	5,654
Diluted Shares Outstanding	6,135	6,135	5,943	5,671	5,654	5,654
Shares Change (YoY)	0.71%	3.23%	4.79%	0.30%	-	-
EPS (Basic)	24.06	33.89	26.45	7.03	3.43	1.26
EPS (Diluted)	24.06	33.89	26.43	7.01	3.43	1.26
EPS Growth	-37.02%	28.21%	277.03%	104.57%	172.33%	-37.56%
Effective Tax Rate	21.29%	22.30%	22.58%	20.78%	32.30%	28.42%

Source: S&P Capital IQ. Banks template. Financial Sources.