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	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	14,560,602	14,136,964	13,367,323	13,851,827	15,795,662	17,210,167
Interest Paid on Deposits	6,156,601	5,381,905	3,957,460	4,792,084	7,378,410	8,755,818
Net Interest Income	8,404,001	8,755,059	9,409,863	9,059,743	8,417,252	8,454,349
Net Interest Income Growth (YoY)	-6.74%	-6.96%	3.86%	7.63%	-0.44%	-0.28%
Income From Trading Activities	-	-	-	-	45,835	75,629
Gain (Loss) on Sale of Investments	310,572	181,928	59,940	1,218,998	1,784,165	114,226
Gain (Loss) on Sale of Equity Investments	47,421	53,149	87,579	42,038	24,995	38,291
Other Non-Interest Income	2,349,713	2,792,629	2,386,939	2,344,758	1,811,959	2,198,125
Total Non-Interest Income	2,707,706	3,027,706	2,534,458	3,605,794	3,666,954	2,426,271
Non-Interest Income Growth (YoY)	-11.59%	19.46%	-29.71%	-1.67%	51.14%	-16.15%
Revenues Before Loan Losses	11,111,707	11,782,765	11,944,321	12,665,537	12,084,206	10,880,620
Provision for Loan Losses	2,150,495	2,769,587	2,819,053	5,248,624	2,685,422	1,549,399
Revenue	8,961,212	9,013,178	9,125,268	7,416,913	9,398,784	9,331,221
Revenue Growth (YoY)	-6.51%	-1.23%	23.03%	-21.09%	0.72%	-1.72%
Salaries and Employee Benefits	3,048,169	2,701,814	2,387,475	2,348,978	2,345,901	2,379,797
Selling, General & Administrative	1,893,176	1,859,090	1,954,571	1,820,222	1,761,512	1,791,915
Other Non-Interest Expense	909,100	784,607	738,790	696,847	1,368,390	694,216
Total Non-Interest Expense	5,832,632	5,237,452	5,036,375	4,902,577	5,326,992	4,735,604
EBT Excluding Unusual Items	3,128,580	3,775,726	4,088,893	2,514,336	4,071,792	4,595,617
Pretax Income	3,128,580	3,775,726	4,088,893	2,514,336	4,071,792	4,595,617
Income Tax Expense	660,848	770,190	815,883	697,360	947,587	1,097,318
Earnings From Continuing Operations	2,467,732	3,005,536	3,273,010	1,816,976	3,124,205	3,498,299
Minority Interest in Earnings	-163,524	-473,641	-231,334	246,497	-20,957	-181,458
Net Income	2,304,208	2,531,895	3,041,676	2,063,473	3,103,248	3,316,841
Net Income to Common	2,304,208	2,531,895	3,041,676	2,063,473	3,103,248	3,316,841
Net Income Growth	-24.25%	-16.76%	47.41%	-33.51%	-6.44%	6.56%
Basic Shares Outstanding	24,082	24,082	24,082	24,082	24,088	24,088
Diluted Shares Outstanding	24,082	24,082	24,082	24,082	24,088	24,088
Shares Change (YoY)	-	-	-	-0.03%	0.00%	-
EPS (Basic)	95.68	105.14	126.31	85.69	128.83	137.70
EPS (Diluted)	95.68	105.14	126.31	85.69	128.83	137.70
EPS Growth	-24.25%	-16.76%	47.41%	-33.49%	-6.44%	6.56%
Dividend Per Share	-	-	-	20.000	-	-
Effective Tax Rate	21.12%	20.40%	19.95%	27.74%	23.27%	23.88%

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