PT Bank Sinarmas Tbk (IDX:BSIM)

PT Bank Sinarmas Tbk Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	2,958,273	3,049,238	3,788,903	3,515,811	3,298,457	3,317,979
Interest Paid on Deposits	1,242,067	1,196,283	1,190,095	892,492	765,810	902,182
Net Interest Income	1,716,206	1,852,955	2,598,808	2,623,319	2,532,647	2,415,797
Net Interest Income Growth (YoY)	-29.87%	-28.70%	-0.93%	3.58%	4.84%	10.40%
Gain (Loss) on Sale of Assets	-830	-1,201	690	694	443	621
Gain (Loss) on Sale of Investments	237,933	259,867	151,879	59,816	29,388	183,738
Other Non-Interest Income	759,839	718,340	625,850	520,968	622,817	720,061
Total Non-Interest Income	996,942	977,006	778,419	581,478	652,648	904,420
Non-Interest Income Growth (YoY)	34.70%	25.51%	33.87%	-10.90%	-27.84%	-14.01%
Revenues Before Loan Losses	2,713,148	2,829,961	3,377,227	3,204,797	3,185,295	3,320,217
Provision for Loan Losses	-190,815	-216,186	43,538	895,494	599,193	832,151
Revenue	2,903,963	3,046,147	3,333,689	2,309,303	2,586,102	2,488,066
Revenue Growth (YoY)	-10.62%	-8.63%	44.36%	-10.70%	3.94%	32.77%
Salaries and Employee Benefits	1,598,822	1,446,770	1,282,509	1,018,965	903,294	761,502
Occupancy Expenses	301,723	300,575	295,164	267,244	250,324	252,403
Selling, General & Administrative	1,410,087	1,358,152	1,456,772	1,196,199	1,129,748	1,147,080
Other Non-Interest Expense	76,013	72,868	55,796	83,355	132,908	187,620
Total Non-Interest Expense	3,386,645	3,178,365	3,090,241	2,565,763	2,416,274	2,348,605
EBT Excluding Unusual Items	-482,682	-132,218	243,448	-256,460	169,828	139,461
Asset Writedown	932,761	587,403	197,863	123,067	88,705	-39
Other Unusual Items	-5,132	-5,132	-2,495	-6,695	-152	-483
Pretax Income	514,777	519,729	438,816	73,578	277,211	159,518
Income Tax Expense	194,823	197,299	68,679	-2,218	56,051	31,770
Earnings From Continuing Operations	319,954	322,430	370,137	75,796	221,160	127,748
Minority Interest in Earnings	-32,202	-36,682	-79,292	-	-	-
Net Income	287,752	285,748	290,845	75,796	221,160	127,748
Net Income to Common	287,752	285,748	290,845	75,796	221,160	127,748
Net Income Growth	9.72%	-1.75%	283.72%	-65.73%	73.12%	7.78%
Basic Shares Outstanding	19,716	19,716	19,716	19,716	19,716	19,642
Diluted Shares Outstanding	19,716	19,716	19,716	19,716	19,716	19,642
Shares Change (YoY)	-	-	-	-	0.38%	-0.57%
EPS (Basic)	14.59	14.49	14.75	3.84	11.22	6.50
EPS (Diluted)	14.59	14.49	14.75	3.84	11.22	6.50
EPS Growth	9.72%	-1.75%	283.72%	-65.73%	72.47%	8.40%
Effective Tax Rate	37.85%	37.96%	15.65%	-	20.22%	19.92%

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