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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	678,787	734,563	944,701	863,896	871,120
Interest Paid on Deposits	331,823	283,644	420,826	431,896	533,643
Net Interest Income	346,964	450,919	523,875	432,000	337,477
Net Interest Income Growth (YoY)	-23.05%	-13.93%	21.27%	28.01%	28.75%
Income From Trading Activities	3,300	-319	19,895	21,034	14,936
Gain (Loss) on Sale of Investments	-	-	-39,668	-	-
Other Non-Interest Income	82,311	93,545	224,475	248,421	202,983
Total Non-Interest Income	85,611	93,226	204,702	269,455	217,919
Non-Interest Income Growth (YoY)	-8.17%	-54.46%	-24.03%	23.65%	77.91%
Revenues Before Loan Losses	432,575	544,145	728,577	701,455	555,396
Provision for Loan Losses	-79,246	-19,021	136,468	613,732	1,531,916
Revenue	511,821	563,166	592,109	87,723	-976,520
Revenue Growth (YoY)	-9.12%	-4.89%	574.98%	-	-
Salaries and Employee Benefits	291,121	265,369	289,816	280,414	311,973
Selling, General & Administrative	148,116	200,832	229,711	201,688	186,577
Other Non-Interest Expense	4,243	10,560	4,875	6,353	8,925
Total Non-Interest Expense	460,976	476,756	522,860	488,455	507,475
EBT Excluding Unusual Items	50,845	86,410	69,249	-400,732	-1,483,995
Pretax Income	50,845	86,410	69,249	-400,732	-1,483,995
Income Tax Expense	99,168	30,772	-	-	94,782
Net Income	-48,323	55,638	69,249	-400,732	-1,578,777
Net Income to Common	-48,323	55,638	69,249	-400,732	-1,578,777
Net Income Growth	-	-19.66%	-	-	-
Basic Shares Outstanding	35,158	35,158	29,456	16,508	20,437
Diluted Shares Outstanding	35,158	35,158	29,456	16,508	20,437
Shares Change (YoY)	-	19.36%	78.43%	-19.22%	-
EPS (Basic)	-1.37	1.58	2.35	-24.28	-77.25
EPS (Diluted)	-1.37	1.58	2.35	-24.28	-77.25
EPS Growth	-	-32.69%	-	-	-
Effective Tax Rate	195.04%	35.61%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.