PT Bank JTrust Indonesia Tbk (IDX:BCIC)

IDX:BCIC Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,982,195	3,024,176	2,525,270	1,678,244	991,353	978,794
Interest Paid on Deposits	2,214,144	2,222,046	1,720,209	1,050,597	888,773	952,653
Net Interest Income	768,051	802,130	805,061	627,647	102,580	26,141
Net Interest Income Growth (YoY)	-7.26%	-0.36%	28.27%	511.86%	292.41%	-47.98%
Gain (Loss) on Sale of Assets	209	142	50	-25	77	-69
Gain (Loss) on Sale of Investments	16,218	7,032	10,625	24,056	10,316	-42,034
Other Non-Interest Income	524,070	407,541	245,175	575,745	42,191	22,581
Total Non-Interest Income	540,497	414,715	255,850	599,776	52,584	-19,522
Non-Interest Income Growth (YoY)	82.12%	62.09%	-57.34%	1040.61%	-	-
Revenues Before Loan Losses	1,308,548	1,216,845	1,060,911	1,227,423	155,164	6,619
Provision for Loan Losses	177,982	49,391	26,896	-36,325	45,671	6,272
Revenue	1,130,566	1,167,454	1,034,015	1,263,748	109,493	347
Revenue Growth (YoY)	1.36%	12.90%	-18.18%	1054.18%	31454.18%	-99.94%
Salaries and Employee Benefits	376,485	360,035	333,839	284,395	268,782	259,628
Selling, General & Administrative	723,586	701,775	669,866	931,839	365,225	324,651
Other Non-Interest Expense	7,698	7,109	5,388	2,354	4,325	1,007
Total Non-Interest Expense	1,121,895	1,060,978	1,012,205	1,215,637	657,965	581,778
EBT Excluding Unusual Items	8,671	106,476	21,810	48,111	-548,472	-581,431
Asset Writedown	320	-	-	-864	-	-
Pretax Income	8,991	106,476	21,810	47,247	-548,472	-581,431
Income Tax Expense	103,644	103,644	-6,092	-39,374	-103,049	-96,990
Net Income	-94,653	2,832	27,902	86,621	-445,423	-484,441
Net Income to Common	-94,653	2,832	27,902	86,621	-445,423	-484,441
Net Income Growth	-	-89.85%	-67.79%	-	-	-
Basic Shares Outstanding	18,110	18,110	18,110	15,827	10,567	10,012
Diluted Shares Outstanding	18,110	18,110	18,110	15,827	10,567	10,012
Shares Change (YoY)	-	-	14.42%	49.79%	5.54%	-
EPS (Basic)	-5.23	0.16	1.54	5.47	-42.15	-48.39
EPS (Diluted)	-5.23	0.16	1.54	5.47	-42.15	-48.39
EPS Growth	-	-89.85%	-71.85%	-	-	-
Effective Tax Rate	1152.75%	97.34%	-	-	-	-

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