PT Bank Pan Indonesia Tbk (IDX:PNBN)

PT Bank Pan Indonesia Tbk Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	15,265,792	15,017,082	14,136,964	13,367,323	13,851,827
Interest Paid on Deposits	6,656,880	6,545,430	5,381,905	3,957,460	4,792,084
Net Interest Income	8,608,912	8,471,652	8,755,059	9,409,863	9,059,743
Net Interest Income Growth (YoY)	1.62%	-3.24%	-6.96%	3.86%	7.63%
Gain (Loss) on Sale of Investments	501,300	60,309	181,928	59,940	1,218,998
Gain (Loss) on Sale of Equity Investments	56,130	32,283	53,149	87,579	42,038
Other Non-Interest Income	2,042,220	2,531,421	2,792,629	2,386,939	2,344,758
Total Non-Interest Income	2,599,650	2,624,013	3,027,706	2,534,458	3,605,794
Non-Interest Income Growth (YoY)	-0.93%	-13.33%	19.46%	-29.71%	-1.67%
Revenues Before Loan Losses	11,208,562	11,095,665	11,782,765	11,944,321	12,665,537
Provision for Loan Losses	1,433,811	1,682,728	2,769,587	2,819,053	5,248,624
Revenue	9,774,751	9,412,937	9,013,178	9,125,268	7,416,913
Revenue Growth (YoY)	3.84%	4.44%	-1.23%	23.03%	-21.09%
Salaries and Employee Benefits	2,805,435	2,847,455	2,701,814	2,387,475	2,348,978
Selling, General & Administrative	2,048,516	2,015,526	1,859,090	1,954,571	1,820,222
Other Non-Interest Expense	1,035,621	853,730	784,607	738,790	696,847
Total Non-Interest Expense	5,838,762	5,758,043	5,237,452	5,036,375	4,902,577
EBT Excluding Unusual Items	3,935,989	3,654,894	3,775,726	4,088,893	2,514,336
Pretax Income	3,935,989	3,654,894	3,775,726	4,088,893	2,514,336
Income Tax Expense	1,065,571	788,131	770,190	815,883	697,360
Earnings From Continuing Operations	2,870,418	2,866,763	3,005,536	3,273,010	1,816,976
Minority Interest in Earnings	-120,374	-128,620	-473,641	-231,334	246,497
Net Income	2,750,044	2,738,143	2,531,895	3,041,676	2,063,473
Net Income to Common	2,750,044	2,738,143	2,531,895	3,041,676	2,063,473
Net Income Growth	0.43%	8.15%	-16.76%	47.41%	-33.51%
Basic Shares Outstanding	24,072	24,082	24,082	24,082	24,082
Diluted Shares Outstanding	24,072	24,082	24,082	24,082	24,082
Shares Change (YoY)	-0.04%	-	-	-	-0.03%
EPS (Basic)	114.24	113.70	105.14	126.31	85.69
EPS (Diluted)	114.24	113.70	105.14	126.31	85.69
EPS Growth	0.47%	8.14%	-16.76%	47.41%	-33.49%
Dividend Per Share	50.000	42.000	-	-	20.000
Dividend Growth	19.05%	-	-	-	-
Effective Tax Rate	27.07%	21.56%	20.40%	19.95%	27.73%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.