PT Bank Central Asia Tbk (PBCRY)

PT Bank Central Asia Tbk Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	99,119,414	94,796,454	87,206,517	72,241,191	65,626,976
Interest Income on Investments	107,764	-	-	-	-
Total Interest Income	99,227,178	94,796,454	87,206,517	72,241,191	65,626,976
Interest Paid on Deposits	13,364,543	12,532,290	12,268,952	8,251,682	9,491,401
Net Interest Income	85,862,635	82,264,164	74,937,565	63,989,509	56,135,575
Net Interest Income Growth (YoY)	4.37%	9.78%	17.11%	13.99%	3.65%
Gain (Loss) on Sale of Assets	3,909	956	-24	-4,294	2,769
Gain (Loss) on Sale of Investments	2,589,972	-	-	-	-
Other Non-Interest Income	24,869,463	26,050,362	23,563,279	23,484,166	22,329,705
Total Non-Interest Income	27,463,344	26,051,318	23,563,255	23,479,872	22,332,474
Non-Interest Income Growth (YoY)	5.42%	10.56%	0.36%	5.14%	6.35%
Revenues Before Loan Losses	113,325,979	108,315,482	98,500,820	87,469,381	78,468,049
Provision for Loan Losses	4,011,047	2,034,453	1,056,192	4,526,619	9,323,995
Revenue	109,314,932	106,281,029	97,444,628	82,942,762	69,144,054
Revenue Growth (YoY)	2.85%	9.07%	17.48%	19.96%	8.83%
Salaries and Employee Benefits	17,780,770	17,444,242	16,197,811	13,651,458	13,487,127
Selling, General & Administrative	1,596,938	16,611,316	17,079,160	15,245,881	13,320,746
Other Non-Interest Expense	18,307,769	3,996,954	3,987,900	3,578,390	3,495,007
Total Non-Interest Expense	38,054,056	38,052,512	37,264,871	32,475,729	30,302,880
EBT Excluding Unusual Items	71,260,876	68,228,517	60,179,757	50,467,033	38,841,174
Asset Writedown	-	-10,667	-	-	-
Pretax Income	71,260,876	68,217,850	60,179,757	50,467,033	38,841,174
Income Tax Expense	13,697,783	13,366,576	11,521,662	9,711,461	7,401,015
Earnings From Continuing Operations	57,563,093	54,851,274	48,658,095	40,755,572	31,440,159
Minority Interest in Earnings	-25,806	-14,969	-18,973	-19,850	-17,499
Net Income	57,537,287	54,836,305	48,639,122	40,735,722	31,422,660
Net Income to Common	57,537,287	54,836,305	48,639,122	40,735,722	31,422,660
Net Income Growth	4.93%	12.74%	19.40%	29.64%	15.82%
Basic Shares Outstanding	123,206	123,275	123,275	123,275	123,275
Diluted Shares Outstanding	123,206	123,275	123,275	123,275	123,275
Shares Change (YoY)	-0.06%	-	-	-	-
EPS (Basic)	467.00	444.83	394.56	330.45	254.90
EPS (Diluted)	467.00	444.83	394.56	330.00	254.90
EPS Growth	4.98%	12.74%	19.56%	29.46%	15.86%
Dividend Per Share	-	300.000	270.000	205.000	145.000
Dividend Growth	-	11.11%	31.71%	41.38%	36.79%
Effective Tax Rate	19.22%	19.59%	19.14%	19.24%	19.05%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.