PT Bank Panin Dubai Syariah Tbk (IDX:PNBS)

IDX:PNBS Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,155,754	1,158,747	1,120,208	942,496	729,971	715,082
Interest Paid on Deposits	800,584	735,914	650,125	396,211	350,787	591,221
Net Interest Income	355,170	422,832	470,083	546,285	379,184	123,861
Net Interest Income Growth (YoY)	-18.04%	-10.05%	-13.95%	44.07%	206.14%	-11.55%
Other Non-Interest Income	109,504	114,210	103,093	97,818	55,980	93,597
Total Non-Interest Income	109,504	114,210	103,093	97,818	55,980	93,597
Non-Interest Income Growth (YoY)	5.58%	10.78%	5.39%	74.74%	-40.19%	21.45%
Revenues Before Loan Losses	464,674	537,043	573,176	644,103	435,164	217,458
Provision for Loan Losses	9,891	9,270	8,826	135,043	1,045,908	-3,397
Revenue	454,783	527,773	564,349	509,060	-610,744	220,855
Revenue Growth (YoY)	-13.91%	-6.48%	10.86%	-	-	-2.77%
Salaries and Employee Benefits	176,344	160,293	139,475	116,129	95,041	102,707
Selling, General & Administrative	125,568	115,629	97,535	83,979	82,650	87,670
Other Non-Interest Expense	98,980	147,450	107,010	55,104	30,512	25,169
Total Non-Interest Expense	397,405	420,326	327,283	254,528	207,580	214,117
EBT Excluding Unusual Items	57,378	107,447	237,066	254,533	-818,324	6,738
Pretax Income	57,378	107,447	237,066	254,533	-818,324	6,738
Income Tax Expense	18,879	18,879	9,548	4,001	-212.05	6,610
Net Income	38,499	88,568	227,518	250,532	-818,112	128.12
Net Income to Common	38,499	88,568	227,518	250,532	-818,112	128.12
Net Income Growth	-63.45%	-61.07%	-9.19%	-	-	-99.03%
Basic Shares Outstanding	38,814	38,814	38,814	38,814	38,814	38,814
Diluted Shares Outstanding	38,814	38,814	38,814	38,814	38,814	38,814
Shares Change (YoY)	-	-	-	-	-	62.00%
EPS (Basic)	0.99	2.28	5.86	6.45	-21.08	0.00
EPS (Diluted)	0.99	2.28	5.86	6.45	-21.08	0.00
EPS Growth	-63.47%	-61.09%	-9.15%	-	-	-99.40%
Effective Tax Rate	32.90%	17.57%	4.03%	1.57%	-	98.10%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.