PT Bank Ganesha Tbk (IDX:BGTG)

PT Bank Ganesha Tbk 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	739,979	723,201	592,752	433,413	317,228	354,870
Interest Paid on Deposits	275,794	248,198	140,825	111,692	135,705	183,947
Net Interest Income	464,185	475,003	451,927	321,721	181,523	170,923
Net Interest Income Growth (YoY)	0.35%	5.11%	40.47%	77.23%	6.20%	-10.97%
Gain (Loss) on Sale of Assets	269	182	1,091	149	536	96
Gain (Loss) on Sale of Investments	31,819	11,945	7,336	4,447	6,845	14,339
Other Non-Interest Income	48,004	49,258	44,552	38,775	34,815	33,331
Total Non-Interest Income	80,092	61,385	52,979	43,371	42,196	47,766
Non-Interest Income Growth (YoY)	79.09%	15.87%	22.15%	2.79%	-11.66%	27.99%
Revenues Before Loan Losses	544,277	536,388	504,906	365,092	223,719	218,689
Provision for Loan Losses	4,610	44,044	140,998	114,048	51,852	58,098
Revenue	539,667	492,344	363,908	251,044	171,867	160,591
Revenue Growth (YoY)	26.68%	35.29%	44.96%	46.07%	7.02%	-4.48%
Salaries and Employee Benefits	143,154	152,390	157,027	104,630	89,829	93,424
Federal Deposit Insurance	12,586	10,634	10,208	16,130	10,249	7,336
Selling, General & Administrative	61,353	62,414	59,594	54,908	46,801	46,996
Other Non-Interest Expense	7,277	6,364	4,932	6,419	4,421	4,445
Total Non-Interest Expense	222,968	231,367	234,929	188,485	155,813	154,983
EBT Excluding Unusual Items	316,699	260,977	128,979	62,559	16,054	5,608
Asset Writedown	1,332	-6,300	-195	-5,135	-1,403	-606
Pretax Income	318,031	254,677	128,784	57,424	14,651	5,002
Income Tax Expense	69,134	52,963	24,819	11,381	3,785	1,804
Net Income	248,897	201,714	103,965	46,043	10,866	3,198
Net Income to Common	248,897	201,714	103,965	46,043	10,866	3,198
Net Income Growth	86.83%	94.02%	125.80%	323.74%	239.77%	-72.99%
Basic Shares Outstanding	23,971	23,971	20,724	16,252	11,175	11,175
Diluted Shares Outstanding	23,971	23,971	20,724	16,252	11,175	11,175
Shares Change (YoY)	15.67%	15.67%	27.52%	45.43%	-	-
EPS (Basic)	10.38	8.41	5.02	2.83	0.97	0.29
EPS (Diluted)	10.38	8.41	5.02	2.80	0.97	0.29
EPS Growth	61.53%	67.74%	79.16%	188.66%	238.96%	-72.99%
Effective Tax Rate	21.74%	20.80%	19.27%	19.82%	25.83%	36.07%

Updated Oct 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.