PT Bank Negara Indonesia (Persero) Tbk (PBNNF)

PBNNF Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	64,089,583	61,471,696	54,658,681	50,025,887	56,172,871	58,532,373
Interest Paid on Deposits	24,511,657	20,196,023	13,337,989	11,779,156	19,020,905	21,929,999
Net Interest Income	39,577,926	41,275,673	41,320,692	38,246,731	37,151,966	36,602,374
Net Interest Income Growth (YoY)	-6.34%	-0.11%	8.04%	2.95%	1.50%	3.26%
Gain (Loss) on Sale of Investments	1,694,167	1,253,245	1,347,383	1,715,456	1,434,646	971,584
Gain (Loss) on Sale of Equity Investments	1,443,939	1,327,868	1,083,052	698,334	-	-
Other Non-Interest Income	14,575,576	13,860,851	13,940,683	12,623,995	11,900,461	12,083,378
Total Non-Interest Income	17,713,682	16,441,964	16,371,118	15,037,785	13,335,107	13,054,962
Non-Interest Income Growth (YoY)	11.09%	0.43%	8.87%	12.77%	2.15%	15.25%
Revenues Before Loan Losses	57,291,608	57,717,637	57,691,810	53,284,516	50,487,073	49,657,336
Provision for Loan Losses	7,875,066	9,196,402	11,513,892	18,297,151	22,590,435	8,838,178
Revenue	49,416,542	48,521,235	46,177,918	34,987,365	27,896,638	40,819,158
Revenue Growth (YoY)	1.04%	5.07%	31.98%	25.42%	-31.66%	3.64%
Salaries and Employee Benefits	13,728,260	12,818,716	12,444,038	11,183,076	9,739,807	10,176,508
Federal Deposit Insurance	1,521,039	1,476,244	1,411,806	1,293,463	1,188,620	1,110,996
Selling, General & Administrative	10,307,068	10,259,622	9,907,397	9,686,610	10,093,087	9,570,765
Other Non-Interest Expense	3,650,580	3,208,030	3,283,042	2,625,611	3,181,268	2,819,011
Total Non-Interest Expense	29,217,663	27,896,210	27,258,430	25,005,057	24,322,073	23,794,797
EBT Excluding Unusual Items	20,198,879	20,625,025	18,919,488	9,982,308	3,574,565	17,024,361
Asset Writedown	5,945,152	5,029,766	3,780,086	2,580,871	1,548,562	2,354,364
Other Unusual Items	-15,053	-15,053	-11,984	-12,192	-10,974	-9,619
Pretax Income	26,128,978	25,639,738	22,686,708	12,550,987	5,112,153	19,369,106
Income Tax Expense	4,478,140	4,533,510	4,204,928	1,573,936	1,790,711	3,860,523
Earnings From Continuing Operations	21,650,838	21,106,228	18,481,780	10,977,051	3,321,442	15,508,583
Minority Interest in Earnings	-186,267	-196,752	-169,726	-78,533	-41,039	-124,107
Net Income	21,464,571	20,909,476	18,312,054	10,898,518	3,280,403	15,384,476
Net Income to Common	21,464,571	20,909,476	18,312,054	10,898,518	3,280,403	15,384,476
Net Income Growth	5.36%	14.18%	68.02%	232.23%	-78.68%	2.46%
Basic Shares Outstanding	37,258	37,257	37,277	37,240	37,265	37,297
Diluted Shares Outstanding	37,258	37,257	37,277	37,240	37,265	37,297
Shares Change (YoY)	-0.08%	-0.05%	0.10%	-0.07%	-0.09%	-
EPS (Basic)	576.11	561.23	491.25	292.65	88.03	412.48
EPS (Diluted)	576.11	561.23	491.25	292.65	88.03	412.48
EPS Growth	5.45%	14.25%	67.86%	232.45%	-78.66%	2.46%
Effective Tax Rate	17.14%	17.68%	18.53%	12.54%	35.03%	19.93%

Source: S&P Capital IQ. Banks template. Financial Sources.