PT Bank Panin Dubai Syariah Tbk (IDX:PNBS)

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

Updated Feb 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.