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BNGA — Income Statement (Laba Rugi)

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Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — BNGA PT Bank CIMB Niaga Tbk

Emiten
Tahun (s/d)
Periode
Satuan
 
Laba Rugi Neraca Arus Kas
BNGA — Income Statement (Laba Rugi)
Dalam Jutaan IDR  |  Triwulanan  |  8 periode s/d 2026
IDX · Data asli: IDR
Dalam Jutaan IDR Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q1 2024
▼ Total Pendapatan 5,907,96825,440,27419,143,35612,772,2426,440,64925,159,29518,749,5566,032,621
Pendapatan Bunga 5,697,61824,671,96018,596,67612,390,6386,233,37024,227,31618,022,9635,844,600
Provisi Dan Komisi Kredit 210,350768,314546,680381,604207,279931,979726,593188,021
Total Pendapatan 5,907,96825,440,27419,143,35612,772,2426,440,64925,159,29518,749,5566,032,621
▼ Total Beban Pokok Penjualan (2,477,939)(11,195,671)(8,518,197)(5,766,934)(2,914,541)(10,960,776)(8,015,174)(2,559,703)
Beban Bunga (2,477,939)(11,195,671)(8,518,197)(5,766,934)(2,914,541)(10,960,776)(8,015,174)(2,559,703)
Beban Provisi Dan Komisi --------
Total Beban Pokok Penjualan (2,477,939)(11,195,671)(8,518,197)(5,766,934)(2,914,541)(10,960,776)(8,015,174)(2,559,703)
Laba Kotor 3,430,02914,244,60310,625,1597,005,3083,526,10814,198,51910,734,3823,472,918
▼ Total Beban Usaha (1,165,414)(5,462,518)(4,049,541)(2,579,140)(1,368,530)(5,835,632)(4,324,238)(1,320,112)
▼ Pendapatan Operasional Lainnya 1,205,4383,496,4132,657,0921,752,550899,6552,891,0232,169,286834,843
Provisi Dan Komisi Lainnya --------
Keuntungan Transaksi Perdagangan --------
Pendapatan Dividen --------
Keuntungan (Rugi) Atas Transaksi Derivatif --------
Others 1,205,4383,496,4132,657,0921,752,550899,6552,891,0232,169,286834,843
Total Pendapatan Operasional 1,205,4383,496,4132,657,0921,752,550899,6552,891,0232,169,286834,843
▼ Beban Operasional Lainnya (2,370,852)(8,958,931)(6,706,633)(4,331,690)(2,268,185)(8,726,655)(6,493,524)(2,154,955)
Beban Penyisihan Kerugian Penurunan Nilai 4839,2155,78054510122,7445,1051,500
Beban Umum Dan Administrasi (996,513)(3,668,085)(2,800,403)(1,713,214)(932,061)(3,678,228)(2,739,709)(898,887)
Others (1,374,822)(5,300,061)(3,912,010)(2,619,021)(1,336,225)(5,071,171)(3,758,920)(1,257,568)
Total Beban Operasional (2,370,852)(8,958,931)(6,706,633)(4,331,690)(2,268,185)(8,726,655)(6,493,524)(2,154,955)
Total Beban Usaha (1,165,414)(5,462,518)(4,049,541)(2,579,140)(1,368,530)(5,835,632)(4,324,238)(1,320,112)
Laba Usaha 2,264,6158,782,0856,575,6184,426,1682,157,5788,362,8876,410,1442,152,806
▼ Penghasilan/Beban Lain-Lain 1,63643,680168,2288,09185,265365,900223,61421,434
Others 1,63643,680168,2288,09185,265365,900223,61421,434
Total Penghasilan/Beban Lain-Lain 1,63643,680168,2288,09185,265365,900223,61421,434
Laba Sebelum Pajak 2,266,2518,825,7656,743,8464,434,2592,242,8438,728,7876,633,7582,174,240
▼ Beban Pajak Penghasilan (493,567)(1,890,380)(1,409,864)(921,341)(399,157)(1,829,853)(1,451,509)(478,845)
Pajak Kini --------
Pajak Tangguhan --------
Total Beban Pajak Penghasilan (493,567)(1,890,380)(1,409,864)(921,341)(399,157)(1,829,853)(1,451,509)(478,845)
Laba Bersih Tahun Berjalan 1,772,6846,935,3855,333,9823,512,9181,843,6866,898,9345,182,2491,695,395
▼ Pendapatan Komprehensif Lain (865,481)1,962,8091,721,6061,043,334517,726(89,119)645,014134,070
Others (865,481)1,962,8091,721,6061,043,334517,726(89,119)645,014134,070
Total Pendapatan Komprehensif Lain (865,481)1,962,8091,721,6061,043,334517,726(89,119)645,014134,070
Jumlah Laba Komprehensif 907,2038,898,1947,055,5884,556,2522,361,4126,809,8155,827,2631,829,465
▼ Laba Bersih Yang Dapat Diatribusikan 1,772,6846,935,3855,333,9823,512,9181,843,6866,898,9345,182,2491,695,395
Pemilik Entitas Induk 1,764,9566,876,5375,268,5863,454,8671,804,9336,825,7735,133,0441,681,041
Kepentingan Non-Pengendali 7,72858,84865,39658,05138,75373,16149,20514,354
Total Laba Bersih Yang Dapat Diatribusikan 1,772,6846,935,3855,333,9823,512,9181,843,6866,898,9345,182,2491,695,395
▼ Laba Komprehensif Yang Dapat Diatribusikan 907,2038,898,1947,055,5884,556,2522,361,4126,809,8155,827,2631,829,465
Pemilik Entitas Induk 899,0808,839,1856,989,8704,497,6882,322,1246,735,8115,777,5421,815,111
Kepentingan Non-Pengendali 8,12359,00965,71858,56439,28874,00449,72114,354
Total Laba Komprehensif Yang Dapat Diatribusikan 907,2038,898,1947,055,5884,556,2522,361,4126,809,8155,827,2631,829,465
Key Ratios — BNGA ROE, ROA, EPS disetahunkan · Metode Teguh Hidayat · Harga saham: Rp 1.640 (2026-07-24)
Rasio Q1 2026 ×4 Q4 2025 Q3 2025 ×1⅓ Q2 2025 ×2 Q1 2025 ×4 Q4 2024 Q3 2024 ×1⅓ Q1 2024 ×4
Profitabilitas
Gross Margin (%) 58.06% 55.99% 55.50% 54.85% 54.75% 56.43% 57.25% 57.57%
Operating Margin (%) 38.33% 34.52% 34.35% 34.65% 33.50% 33.24% 34.19% 35.69%
Net Margin (%) 29.87% 27.03% 27.52% 27.05% 28.02% 27.13% 27.38% 27.87%
ROE (%) 12.00% 11.87% 12.52% 12.90% 13.05% 12.88% 13.15% 13.13%
ROA (%) 1.92% 1.85% 1.90% 1.93% 1.95% 1.89% 1.93% 2.02%
Per Lembar Saham
EPS (Rp) 283,63 276,27 282,22 277,60 290,06 274,23 274,96 270,15
BVPS (Rp) 2.363,95 2.327,76 2.253,38 2.152,52 2.222,77 2.129,27 2.090,62 2.057,57
Valuasi
PER (x) 5.78x 5.94x 5.81x 5.91x 5.65x 5.98x 5.96x 6.07x
PBV (x) 0.69x 0.70x 0.73x 0.76x 0.74x 0.77x 0.78x 0.80x
Struktur Modal
DER (x) 5.23x 5.41x 5.56x 5.65x 5.68x 5.77x 5.72x 5.48x