PT Panin Financial Tbk Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	15,397,264	15,017,082	14,136,964	13,367,323	-	-
Interest Paid on Deposits	6,928,638	6,545,430	5,381,905	3,957,460	-	-
Net Interest Income	8,468,626	8,471,652	8,755,059	9,409,863	-	-
Net Interest Income Growth (YoY)	0.77%	-3.24%	-6.96%	-	-	-
Gain (Loss) on Sale of Investments	181,117	47,731	339,759	335,013	668,266	610,620
Other Non-Interest Income	3,821,450	3,934,460	4,102,279	3,467,936	683,263	776,438
Total Non-Interest Income	4,002,567	3,982,191	4,442,038	3,802,949	1,351,529	1,387,058
Non-Interest Income Growth (YoY)	-0.36%	-10.35%	16.80%	181.38%	-2.56%	1.39%
Revenues Before Loan Losses	12,471,193	12,453,843	13,197,097	13,212,812	1,351,529	1,387,058
Provision for Loan Losses	1,994,211	1,675,972	2,757,904	2,790,552	-	-
Revenue	10,476,982	10,777,871	10,439,193	10,422,260	1,351,529	1,387,058
Revenue Growth (YoY)	2.03%	3.24%	0.16%	671.15%	-2.56%	1.39%
Selling, General & Administrative	5,872,858	5,991,114	5,596,468	5,072,861	308,111	295,224
Other Non-Interest Expense	391,007	463,604	520,005	527,330	417,556	390,063
Total Non-Interest Expense	6,299,300	6,471,553	5,967,928	5,496,885	-225,397	-745,132
EBT Excluding Unusual Items	4,177,682	4,306,318	4,471,265	4,925,375	1,576,926	2,132,190
Pretax Income	4,177,682	4,306,318	4,471,265	4,925,375	1,576,926	2,132,190
Income Tax Expense	828,221	848,872	863,931	848,526	80,570	92,862
Earnings From Continuing Operations	3,349,461	3,457,446	3,607,334	4,076,849	1,496,356	2,039,328
Minority Interest in Earnings	-1,700,660	-1,793,295	-2,096,851	-2,059,293	-168,543	-179,564
Net Income	1,648,801	1,664,151	1,510,483	2,017,556	1,327,813	1,859,764
Net Income to Common	1,648,801	1,664,151	1,510,483	2,017,556	1,327,813	1,859,764
Net Income Growth	18.76%	10.17%	-25.13%	51.95%	-28.60%	-5.85%
Basic Shares Outstanding	32,022	32,022	32,022	32,022	32,022	32,022
Diluted Shares Outstanding	32,022	32,022	32,022	32,022	32,022	32,022
EPS (Basic)	51.49	51.97	47.17	63.01	41.47	58.08
EPS (Diluted)	51.49	51.97	47.17	63.01	41.47	58.08
EPS Growth	18.78%	10.17%	-25.13%	51.95%	-28.60%	-5.85%
Dividend Per Share	-	-	-	-	10.000	-
Effective Tax Rate	19.82%	19.71%	19.32%	17.23%	5.11%	4.35%

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