PT Bank Artha Graha Internasional Tbk (IDX:INPC)

IDX:INPC 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 Income on Loans	1,646,064	1,484,753	1,441,977	1,534,022	1,688,028
Interest Paid on Deposits	735,995	502,774	491,344	766,265	1,056,241
Net Interest Income	910,069	981,979	950,633	767,757	631,787
Net Interest Income Growth (YoY)	-7.32%	3.30%	23.82%	21.52%	-31.84%
Gain (Loss) on Sale of Assets	-	231	1,348	444	940
Gain (Loss) on Sale of Investments	53,289	28,839	1,235	5,805	-60
Other Non-Interest Income	304,296	283,779	165,886	300,924	115,933
Total Non-Interest Income	357,585	312,849	168,469	307,173	116,813
Non-Interest Income Growth (YoY)	14.30%	85.70%	-45.16%	162.96%	8.82%
Revenues Before Loan Losses	1,267,654	1,294,828	1,119,102	1,074,930	748,600
Provision for Loan Losses	75,026	103,657	240,495	553,166	-73,073
Revenue	1,192,628	1,191,171	878,607	521,764	821,673
Revenue Growth (YoY)	0.12%	35.58%	68.39%	-36.50%	1.96%
Salaries and Employee Benefits	287,069	279,962	265,404	240,331	317,883
Selling, General & Administrative	160,550	157,228	141,517	162,795	134,613
Other Non-Interest Expense	555,254	566,674	407,327	322,105	325,361
Total Non-Interest Expense	1,002,873	1,007,814	809,466	725,224	791,251
EBT Excluding Unusual Items	189,755	183,357	69,141	-203,460	30,422
Pretax Income	189,755	183,357	69,141	-203,460	30,422
Income Tax Expense	37,281	36,604	14,144	-35,397	9,051
Net Income	152,474	146,753	54,997	-168,063	21,371
Net Income to Common	152,474	146,753	54,997	-168,063	21,371
Net Income Growth	3.90%	166.84%	-	-	-
Basic Shares Outstanding	20,222	20,223	20,223	20,223	15,796
Diluted Shares Outstanding	20,222	20,223	20,223	20,223	15,796
Shares Change (YoY)	-0.01%	-	-	28.03%	-
EPS (Basic)	7.54	7.26	2.72	-8.31	1.35
EPS (Diluted)	7.54	7.26	2.72	-8.31	1.35
EPS Growth	3.91%	166.84%	-	-	-
Effective Tax Rate	19.65%	19.96%	20.46%	-	29.75%

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