PT Bank QNB Indonesia 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	699,808	734,563	944,701	863,896	871,120	1,233,605
Interest Paid on Deposits	317,825	283,644	420,826	431,896	533,643	971,493
Net Interest Income	381,983	450,919	523,875	432,000	337,477	262,112
Net Interest Income Growth (YoY)	-20.48%	-13.93%	21.27%	28.01%	28.75%	-37.83%
Income From Trading Activities	2,575	-319	19,895	21,034	14,936	34,261
Gain (Loss) on Sale of Investments	-	-	-39,668	-	-	-
Other Non-Interest Income	101,264	93,545	224,475	248,421	202,983	64,317
Total Non-Interest Income	103,839	93,226	204,702	269,455	217,919	122,489
Non-Interest Income Growth (YoY)	-22.63%	-54.46%	-24.03%	23.65%	77.91%	-30.64%
Revenues Before Loan Losses	485,822	544,145	728,577	701,455	555,396	384,601
Provision for Loan Losses	-9,201	-19,021	136,468	613,732	1,531,916	172,522
Revenue	495,023	563,166	592,109	87,723	-976,520	212,079
Revenue Growth (YoY)	-15.78%	-4.89%	574.98%	-	-	-57.85%
Salaries and Employee Benefits	276,184	265,369	289,816	280,414	311,973	307,967
Selling, General & Administrative	157,259	199,988	228,798	201,688	186,577	158,016
Other Non-Interest Expense	3,715	11,404	5,788	6,353	8,925	25,476
Total Non-Interest Expense	455,060	476,756	522,860	488,455	507,475	491,459
EBT Excluding Unusual Items	39,963	86,410	69,249	-400,732	-1,483,995	-279,380
Pretax Income	39,963	86,410	69,249	-400,732	-1,483,995	-279,380
Income Tax Expense	37,647	30,772	-	-	94,782	142,788
Net Income	2,316	55,638	69,249	-400,732	-1,578,777	-422,168
Net Income to Common	2,316	55,638	69,249	-400,732	-1,578,777	-422,168
Net Income Growth	-96.76%	-19.66%	-	-	-	-
Basic Shares Outstanding	35,158	35,158	29,456	16,508	20,437	20,437
Diluted Shares Outstanding	35,158	35,158	29,456	16,508	20,437	20,437
Shares Change (YoY)	-0.06%	19.36%	78.43%	-19.22%	-	-
EPS (Basic)	0.07	1.58	2.35	-24.28	-77.25	-20.66
EPS (Diluted)	0.07	1.58	2.35	-24.28	-77.25	-20.66
EPS Growth	-96.76%	-32.69%	-	-	-	-
Effective Tax Rate	94.21%	35.61%	-	-	-	-

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