PT Woori Finance Indonesia Tbk (IDX:BPFI)

IDX:BPFI Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	290,268	228,120	182,805	201,423	237,412
Total Interest Expense	65,228	42,430	32,679	51,157	90,847
Net Interest Income	225,040	185,690	150,126	150,266	146,566
Gain (Loss) on Sale of Investments	-	-	1,452	-	-
Other Revenue	110,772	121,598	69,724	61,546	94,888
Revenue Before Loan Losses	335,812	307,288	221,302	211,812	241,454
Provision for Loan Losses	37,440	24,115	18,382	10,190	21,668
Revenue	298,373	283,172	202,921	201,622	219,786
Revenue Growth (YoY)	5.37%	39.55%	0.64%	-8.26%	-14.69%
Salaries & Employee Benefits	117,777	106,568	92,408	94,621	100,348
Cost of Services Provided	81,305	80,443	68,633	75,480	87,602
Other Operating Expenses	-12,090	-13,422	-22,326	-26,582	-22,202
Total Operating Expenses	186,991	173,590	138,714	143,520	165,747
Operating Income	111,381	109,582	64,206	58,102	54,039
Currency Exchange Gain (Loss)	2.2	1.15	0.52	1,524	-
EBT Excluding Unusual Items	107,165	106,828	64,207	59,626	54,039
Pretax Income	107,145	106,965	64,805	59,353	53,554
Income Tax Expense	18,957	20,299	12,907	13,433	12,291
Net Income	88,188	86,666	51,898	45,920	41,262
Net Income to Common	88,188	86,666	51,898	45,920	41,262
Net Income Growth	1.76%	66.99%	13.02%	11.29%	-44.88%
Shares Outstanding (Basic)	2,674	2,674	2,674	2,674	2,674
Shares Outstanding (Diluted)	2,674	2,674	2,674	2,674	2,674
EPS (Basic)	32.98	32.41	19.41	17.17	15.43
EPS (Diluted)	32.98	32.41	19.41	17.17	15.43
EPS Growth	1.76%	66.99%	13.02%	11.29%	-44.88%
Free Cash Flow	-88,236	-420,802	-109,251	248,942	432,444
Free Cash Flow Per Share	-33.00	-157.37	-40.86	93.10	161.72
Dividend Per Share	-	9.720	3.880	-	-
Dividend Growth	-	150.51%	-	-	-
Operating Margin	37.33%	38.70%	31.64%	28.82%	24.59%
Profit Margin	29.56%	30.61%	25.57%	22.78%	18.77%
Free Cash Flow Margin	-29.57%	-148.60%	-53.84%	123.47%	196.76%
Effective Tax Rate	17.69%	18.98%	19.92%	22.63%	22.95%
Revenue as Reported	413,113	363,277	276,906	290,801	354,018

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.