PT Bank QNB Indonesia Tbk (IDX:BKSW)

PT Bank QNB Indonesia 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	717,680	734,563	944,701	863,896	871,120	1,233,605
Interest Paid on Deposits	308,369	283,644	420,826	431,896	533,643	971,493
Net Interest Income	409,311	450,919	523,875	432,000	337,477	262,112
Net Interest Income Growth (YoY)	-16.70%	-13.93%	21.27%	28.01%	28.75%	-37.83%
Income From Trading Activities	3,358	-319	19,895	21,034	14,936	34,261
Gain (Loss) on Sale of Investments	-	-	-39,668	-	-	-
Other Non-Interest Income	80,722	93,545	224,475	248,421	202,983	64,317
Total Non-Interest Income	84,080	93,226	204,702	269,455	217,919	122,489
Non-Interest Income Growth (YoY)	-43.82%	-54.46%	-24.03%	23.65%	77.91%	-30.64%
Revenues Before Loan Losses	493,391	544,145	728,577	701,455	555,396	384,601
Provision for Loan Losses	-32,939	-19,021	136,468	613,732	1,531,916	172,522
Revenue	526,330	563,166	592,109	87,723	-976,520	212,079
Revenue Growth (YoY)	-9.73%	-4.89%	574.98%	-	-	-57.85%
Salaries and Employee Benefits	272,564	265,369	289,816	280,414	311,973	307,967
Selling, General & Administrative	167,311	199,988	228,798	201,688	186,577	158,016
Other Non-Interest Expense	10,661	11,404	5,788	6,353	8,925	25,476
Total Non-Interest Expense	468,446	476,756	522,860	488,455	507,475	491,459
EBT Excluding Unusual Items	57,884	86,410	69,249	-400,732	-1,483,995	-279,380
Pretax Income	57,884	86,410	69,249	-400,732	-1,483,995	-279,380
Income Tax Expense	42,094	30,772	-	-	94,782	142,788
Net Income	15,790	55,638	69,249	-400,732	-1,578,777	-422,168
Net Income to Common	15,790	55,638	69,249	-400,732	-1,578,777	-422,168
Net Income Growth	-76.36%	-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)	-0.18%	19.36%	78.43%	-19.22%	-	-
EPS (Basic)	0.45	1.58	2.35	-24.28	-77.25	-20.66
EPS (Diluted)	0.44	1.58	2.35	-24.28	-77.25	-20.66
EPS Growth	-76.66%	-32.69%	-	-	-	-
Effective Tax Rate	72.72%	35.61%	-	-	-	-

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