IDX:BPFI Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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 and Dividend Income	369,891	324,511	290,268	228,120	182,805	201,423
Total Interest Expense	83,903	67,916	65,228	42,430	32,679	51,157
Net Interest Income	285,988	256,595	225,040	185,690	150,126	150,266
Gain (Loss) on Sale of Investments	-	-	-	-	1,452	-
Other Revenue	136,730	127,235	107,809	121,598	69,724	61,546
Revenue Before Loan Losses	422,648	383,830	332,849	307,288	221,302	211,812
Provision for Loan Losses	54,940	60,858	37,440	24,115	18,382	10,190
Revenue	367,708	322,972	295,410	283,172	202,921	201,622
Revenue Growth	47.30%	9.33%	4.32%	39.55%	0.64%	-8.26%
Salaries & Employee Benefits	143,638	131,670	117,777	106,568	92,408	94,621
Cost of Services Provided	145,299	119,213	81,305	80,443	68,633	75,480
Other Operating Expenses	-44,994	-16,425	-15,053	-13,422	-22,326	-26,582
Total Operating Expenses	243,943	234,458	184,028	173,590	138,714	143,520
Operating Income	123,766	88,515	111,381	109,582	64,206	58,102
Currency Exchange Gain (Loss)	-	-	2.2	1.15	0.52	1,524
EBT Excluding Unusual Items	126,156	88,985	107,165	106,828	64,207	59,626
Pretax Income	126,069	88,898	107,145	106,965	64,805	59,353
Income Tax Expense	23,595	17,903	18,957	20,299	12,907	13,433
Net Income	102,474	70,995	88,188	86,666	51,898	45,920
Net Income to Common	102,474	70,995	88,188	86,666	51,898	45,920
Net Income Growth	23.22%	-19.50%	1.76%	66.99%	13.02%	11.29%
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	-	-	-	-	-	-
EPS (Basic)	38.32	26.55	32.98	32.41	19.41	17.17
EPS (Diluted)	38.32	26.55	32.98	32.41	19.41	17.17
EPS Growth	23.22%	-19.50%	1.76%	66.99%	13.02%	11.29%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Free Cash Flow	-929,881	-616,921	-88,236	-420,802	-109,251	248,942
Free Cash Flow Per Share	-347.75	-230.71	-33.00	-157.37	-40.86	93.10
Dividend Per Share	-	-	9.890	9.720	3.880	-
Dividend Growth	-	-	1.75%	150.51%	-	-
Operating Margin	33.66%	27.41%	37.70%	38.70%	31.64%	28.82%
Profit Margin	27.87%	21.98%	29.85%	30.61%	25.57%	22.78%
Free Cash Flow Margin	-252.89%	-191.01%	-29.87%	-148.60%	-53.84%	123.47%
Effective Tax Rate	18.72%	20.14%	17.69%	18.98%	19.92%	22.63%
Revenue as Reported	551,457	468,084	413,113	363,277	276,906	290,801