PT Woori Finance Indonesia Tbk (IDX: BPFI)

IDX: BPFI Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	277,558	228,120	182,805	201,423	237,412	281,594
Total Interest Expense	63,824	42,430	32,679	51,157	90,847	107,350
Net Interest Income	213,734	185,690	150,126	150,266	146,566	174,244
Gain (Loss) on Sale of Investments	-	-	1,452	-	-	-
Other Revenue	107,334	111,713	69,724	61,546	94,888	110,307
Revenue Before Loan Losses	321,068	297,403	221,302	211,812	241,454	284,551
Provision for Loan Losses	38,798	24,115	18,382	10,190	21,668	26,914
Revenue	282,270	273,288	202,921	201,622	219,786	257,637
Revenue Growth (YoY)	22.68%	34.68%	0.64%	-8.26%	-14.69%	4.27%
Salaries & Employee Benefits	115,597	106,568	92,408	94,621	100,348	98,970
Cost of Services Provided	77,842	80,443	68,633	75,480	87,602	100,597
Other Operating Expenses	-24,229	-23,306	-22,326	-26,582	-22,202	-39,213
Total Operating Expenses	169,210	163,706	138,714	143,520	165,747	160,354
Operating Income	113,060	109,582	64,206	58,102	54,039	97,283
Currency Exchange Gain (Loss)	1.15	1.15	0.52	1,524	-	-
EBT Excluding Unusual Items	107,047	106,828	64,207	59,626	54,039	97,283
Pretax Income	107,107	106,965	64,805	59,353	53,554	97,096
Income Tax Expense	22,842	20,299	12,907	13,433	12,291	22,239
Net Income	84,265	86,666	51,898	45,920	41,262	74,857
Net Income to Common	84,265	86,666	51,898	45,920	41,262	74,857
Net Income Growth	32.44%	66.99%	13.02%	11.29%	-44.88%	10.05%
Shares Outstanding (Basic)	2,674	2,674	2,674	2,674	2,674	2,674
Shares Outstanding (Diluted)	2,674	2,674	2,674	2,674	2,674	2,674
Shares Change (YoY)	-	-	-	-0.00%	-	2.85%
EPS (Basic)	31.51	32.41	19.41	17.17	15.43	27.99
EPS (Diluted)	31.51	32.41	19.41	17.17	15.43	27.99
EPS Growth	32.44%	66.99%	13.02%	11.29%	-44.88%	7.01%
Free Cash Flow	-211,511	-431,182	-109,251	248,942	432,444	12,572
Free Cash Flow Per Share	-79.10	-161.25	-40.86	93.10	161.72	4.70
Dividend Per Share	9.720	9.720	3.880	-	-	-
Dividend Growth	150.52%	150.52%	-	-	-	-
Operating Margin	40.05%	40.10%	31.64%	28.82%	24.59%	37.76%
Profit Margin	29.85%	31.71%	25.58%	22.78%	18.77%	29.06%
Free Cash Flow Margin	-74.93%	-157.78%	-53.84%	123.47%	196.76%	4.88%
Effective Tax Rate	21.33%	18.98%	19.92%	22.63%	22.95%	22.90%
Revenue as Reported	409,182	363,277	276,906	290,801	354,018	430,927

Source: S&P Capital IQ. Financial Services template. Financial Sources.