PT Panin Financial Tbk Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	15,265,792	15,017,082	14,136,964	13,367,323	-
Interest Paid on Deposits	6,656,880	6,545,430	5,381,905	3,957,460	-
Net Interest Income	8,608,912	8,471,652	8,755,059	9,409,863	-
Net Interest Income Growth (YoY)	1.62%	-3.24%	-6.96%	-	-
Gain (Loss) on Sale of Investments	452,379	-43,464	339,759	335,013	668,266
Other Non-Interest Income	2,825,778	3,038,583	4,102,279	3,467,936	683,263
Total Non-Interest Income	3,278,157	2,995,119	4,442,038	3,802,949	1,351,529
Non-Interest Income Growth (YoY)	9.45%	-32.57%	16.80%	181.38%	-2.56%
Revenues Before Loan Losses	11,887,069	11,466,771	13,197,097	13,212,812	1,351,529
Provision for Loan Losses	1,438,271	1,675,972	2,757,904	2,790,552	-
Revenue	10,448,798	9,790,799	10,439,193	10,422,260	1,351,529
Revenue Growth (YoY)	6.72%	-6.21%	0.16%	671.15%	-2.56%
Salaries and Employee Benefits	2,741,642	2,757,024	-	-	-
Occupancy Expenses	805,772	755,241	-	-	-
Federal Deposit Insurance	325,517	299,608	-	-	-
Selling, General & Administrative	1,923,267	1,768,918	5,596,468	5,072,861	308,111
Other Non-Interest Expense	130,592	155,455	520,005	527,330	417,556
Total Non-Interest Expense	5,815,941	5,753,081	5,967,928	5,496,885	-225,397
EBT Excluding Unusual Items	4,632,857	4,037,718	4,471,265	4,925,375	1,576,926
Pretax Income	4,632,857	4,037,718	4,471,265	4,925,375	1,576,926
Income Tax Expense	1,121,791	786,159	863,931	848,526	80,570
Earnings From Continuing Operations	3,511,066	3,251,559	3,607,334	4,076,849	1,496,356
Minority Interest in Earnings	-1,766,737	-1,710,939	-2,096,851	-2,059,293	-168,543
Net Income	1,744,329	1,540,620	1,510,483	2,017,556	1,327,813
Net Income to Common	1,744,329	1,540,620	1,510,483	2,017,556	1,327,813
Net Income Growth	13.22%	1.99%	-25.13%	51.95%	-28.60%
Basic Shares Outstanding	32,022	32,022	32,022	32,022	32,022
Diluted Shares Outstanding	32,022	32,022	32,022	32,022	32,022
EPS (Basic)	54.47	48.11	47.17	63.01	41.47
EPS (Diluted)	54.47	48.11	47.17	63.01	41.47
EPS Growth	13.22%	1.99%	-25.13%	51.95%	-28.60%
Dividend Per Share	-	-	-	-	10.000
Effective Tax Rate	24.21%	19.47%	19.32%	17.23%	5.11%

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