PT Bank CIMB Niaga Tbk (IDX:BNGA)

PT Bank CIMB Niaga Tbk Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	24,671,960	24,227,316	22,306,000	19,114,194	18,862,951
Interest Paid on Deposits	11,195,671	10,960,776	8,953,617	5,638,056	5,774,091
Net Interest Income	13,476,289	13,266,540	13,352,383	13,476,138	13,088,860
Net Interest Income Growth (YoY)	1.58%	-0.64%	-0.92%	2.96%	4.96%
Gain (Loss) on Sale of Assets	8,630	-13,192	5,076	-3,580	2,267
Gain (Loss) on Sale of Investments	2,545,490	60,438	630,281	742,817	999,194
Other Non-Interest Income	3,413,909	5,590,558	4,802,856	4,646,766	3,479,463
Total Non-Interest Income	5,968,029	5,637,804	5,438,213	5,386,003	4,480,924
Non-Interest Income Growth (YoY)	5.86%	3.67%	0.97%	20.20%	15.20%
Revenues Before Loan Losses	19,444,318	18,904,344	18,790,596	18,862,141	17,569,784
Provision for Loan Losses	1,685,457	1,805,250	2,006,613	3,813,709	4,169,888
Revenue	17,758,861	17,099,094	16,783,983	15,048,432	13,399,896
Revenue Growth (YoY)	3.86%	1.88%	11.53%	12.30%	22.30%
Salaries and Employee Benefits	5,201,057	5,017,446	4,927,872	4,645,711	4,456,962
Selling, General & Administrative	3,760,157	3,796,013	3,635,309	3,787,681	3,717,727
Other Non-Interest Expense	6,932	-64,060	20,346	50,258	104,548
Total Non-Interest Expense	8,933,096	8,370,307	8,426,711	8,469,100	8,208,798
EBT Excluding Unusual Items	8,825,765	8,728,787	8,357,272	6,579,332	5,191,098
Pretax Income	8,825,765	8,728,787	8,357,272	6,579,332	5,191,098
Income Tax Expense	1,890,380	1,829,853	1,805,871	1,482,561	1,092,494
Earnings From Continuing Operations	6,935,385	6,898,934	6,551,401	5,096,771	4,098,604
Minority Interest in Earnings	-58,848	-73,161	-77,206	-54,990	1,736
Net Income	6,876,537	6,825,773	6,474,195	5,041,781	4,100,340
Net Income to Common	6,876,537	6,825,773	6,474,195	5,041,781	4,100,340
Net Income Growth	0.74%	5.43%	28.41%	22.96%	103.75%
Basic Shares Outstanding	25,140	25,132	24,954	24,933	24,929
Diluted Shares Outstanding	25,140	25,132	24,954	24,933	24,929
Shares Change (YoY)	0.03%	0.72%	0.08%	0.01%	-
EPS (Basic)	273.53	271.59	259.45	202.21	164.48
EPS (Diluted)	273.53	271.59	259.45	202.21	164.48
EPS Growth	0.71%	4.68%	28.31%	22.94%	103.77%
Dividend Per Share	-	155.730	-	-	-
Effective Tax Rate	21.42%	20.96%	21.61%	22.53%	21.05%

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