PT Bank China Construction Bank Indonesia Tbk (IDX: MCOR)

MCOR 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 Income on Loans	2,028,907	1,690,178	1,322,606	1,248,020	1,282,612	1,298,866
Interest Paid on Deposits	1,044,623	733,299	518,652	527,188	720,255	738,975
Net Interest Income	984,284	956,879	803,954	720,832	562,357	559,891
Net Interest Income Growth (YoY)	2.58%	19.02%	11.53%	28.18%	0.44%	-4.68%
Gain (Loss) on Sale of Investments	3,442	1,802	-2,419	-5,131	-4,334	324
Other Non-Interest Income	83,647	41,692	71,384	69,223	68,662	69,868
Total Non-Interest Income	112,089	43,494	68,965	64,092	64,328	70,192
Non-Interest Income Growth (YoY)	151.79%	-36.93%	7.60%	-0.37%	-8.35%	-9.41%
Revenues Before Loan Losses	1,096,373	1,000,373	872,919	784,924	626,685	630,083
Provision for Loan Losses	152,882	128,803	170,846	174,615	55,292	18,479
Revenue	943,491	871,570	702,073	610,309	571,393	611,604
Revenue Growth (YoY)	12.32%	24.14%	15.04%	6.81%	-6.57%	2.11%
Salaries and Employee Benefits	316,392	307,482	290,016	278,808	255,648	243,900
Selling, General & Administrative	245,636	234,002	236,328	222,112	258,689	249,723
Other Non-Interest Expense	2,307	2,307	3,057	-	-	-
Total Non-Interest Expense	579,616	536,692	524,313	505,834	507,690	493,618
EBT Excluding Unusual Items	363,875	334,878	177,760	104,475	63,703	117,986
Asset Writedown	-77	-25,077	-2,018	-461	-	-5,650
Pretax Income	365,587	309,801	175,742	104,014	63,703	112,336
Income Tax Expense	80,783	68,510	39,783	24,622	13,724	33,369
Net Income	284,804	241,291	135,959	79,392	49,979	78,967
Net Income to Common	284,804	241,291	135,959	79,392	49,979	78,967
Net Income Growth	28.13%	77.47%	71.25%	58.85%	-36.71%	-12.12%
Basic Shares Outstanding	37,920	37,920	37,920	37,920	26,112	16,631
Diluted Shares Outstanding	37,920	37,920	37,920	37,920	26,112	16,631
Shares Change (YoY)	-	-	-	45.22%	57.01%	-
EPS (Basic)	7.51	6.36	3.59	2.09	1.91	4.75
EPS (Diluted)	7.51	6.36	3.59	2.09	1.91	4.75
EPS Growth	28.07%	77.38%	71.55%	9.42%	-59.77%	-12.12%
Effective Tax Rate	22.10%	22.11%	22.64%	23.67%	21.54%	29.70%

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