BNLI — Income Statement (Laba Rugi)

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Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — BNLI Bank Permata Tbk

Dalam Jutaan IDR | Triwulanan | 9 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	Q2 2024	Q1 2024
▼ Total Pendapatan	3,985,002	17,566,286	12,896,196	8,622,576	4,284,701	17,810,700	13,224,430	8,588,320	4,272,724
Pendapatan Bunga	3,875,804	17,034,964	12,846,688	8,587,331	4,260,507	17,213,039	12,751,926	8,285,782	4,144,297
Provisi Dan Komisi Kredit	109,198	531,322	49,508	35,245	24,194	597,661	472,504	302,538	128,427
Total Pendapatan	3,985,002	17,566,286	12,896,196	8,622,576	4,284,701	17,810,700	13,224,430	8,588,320	4,272,724
▼ Total Beban Pokok Penjualan	(1,479,832)	(7,140,473)	(5,651,866)	(3,799,212)	(1,855,297)	(7,479,092)	(5,507,079)	(3,532,830)	(1,775,070)
Beban Bunga	(1,452,102)	(7,012,702)	(5,557,797)	(3,734,295)	(1,823,054)	(7,362,285)	(5,421,482)	(3,475,206)	(1,745,731)
Beban Provisi Dan Komisi	(27,730)	(127,771)	(94,069)	(64,917)	(32,243)	(116,807)	(85,597)	(57,624)	(29,339)
Total Beban Pokok Penjualan	(1,479,832)	(7,140,473)	(5,651,866)	(3,799,212)	(1,855,297)	(7,479,092)	(5,507,079)	(3,532,830)	(1,775,070)
Laba Kotor	2,505,170	10,425,813	7,244,330	4,823,364	2,429,404	10,331,608	7,717,351	5,055,490	2,497,654
▼ Total Beban Usaha	(1,317,476)	(5,794,806)	(3,525,517)	(2,698,908)	(1,410,362)	(5,699,863)	(4,094,039)	(3,049,627)	(1,439,941)
▼ Pendapatan Operasional Lainnya	(865)	(528,441)	421,756	(15,396)	(89,126)	(729,493)	(403,487)	(570,121)	(212,810)
Provisi Dan Komisi Lainnya	-	-	-	-	-	-	-	-	-
Keuntungan Transaksi Perdagangan	41,715	381,751	278,271	168,499	94,160	227,759	210,211	97,927	63,379
Pendapatan Dividen	96	3	3	3	-	48	-	-	-
Keuntungan (Rugi) Atas Transaksi Derivatif	-	-	-	-	-	-	-	-	(9,455)
Others	(42,676)	(910,195)	143,482	(183,898)	(183,286)	(957,300)	(613,698)	(668,048)	(266,734)
Total Pendapatan Operasional	(865)	(528,441)	421,756	(15,396)	(89,126)	(729,493)	(403,487)	(570,121)	(212,810)
▼ Beban Operasional Lainnya	(1,316,611)	(5,266,365)	(3,947,273)	(2,683,512)	(1,321,236)	(4,970,370)	(3,690,552)	(2,479,506)	(1,227,131)
Beban Penyisihan Kerugian Penurunan Nilai	66,670	241,260	187,687	34,548	25,525	127,018	52,931	-	17,697
Beban Umum Dan Administrasi	(303,521)	(1,056,123)	(1,206,120)	(847,361)	(425,533)	(1,377,626)	(996,584)	(650,942)	(326,576)
Others	(1,079,760)	(4,451,502)	(2,928,840)	(1,870,699)	(921,228)	(3,719,762)	(2,746,899)	(1,828,564)	(918,252)
Total Beban Operasional	(1,316,611)	(5,266,365)	(3,947,273)	(2,683,512)	(1,321,236)	(4,970,370)	(3,690,552)	(2,479,506)	(1,227,131)
Total Beban Usaha	(1,317,476)	(5,794,806)	(3,525,517)	(2,698,908)	(1,410,362)	(5,699,863)	(4,094,039)	(3,049,627)	(1,439,941)
Laba Usaha	1,187,694	4,631,007	3,718,813	2,124,456	1,019,042	4,631,745	3,623,312	2,005,863	1,057,713
▼ Penghasilan/Beban Lain-Lain	-	-	-	-	-	(23,516)	(23,516)	(23,516)	(12,068)
Others	-	-	-	-	-	(23,516)	(23,516)	(23,516)	(12,068)
Total Penghasilan/Beban Lain-Lain	-	-	-	-	-	(23,516)	(23,516)	(23,516)	(12,068)
Laba Sebelum Pajak	1,187,694	4,631,007	3,718,813	2,124,456	1,019,042	4,608,229	3,599,796	1,982,347	1,045,645
▼ Beban Pajak Penghasilan	(267,590)	(1,043,472)	(835,852)	(479,173)	(230,068)	(1,041,710)	(814,174)	(452,762)	(238,331)
Pajak Kini	-	-	-	-	-	-	-	-	-
Pajak Tangguhan	-	-	-	-	-	-	-	-	-
Total Beban Pajak Penghasilan	(267,590)	(1,043,472)	(835,852)	(479,173)	(230,068)	(1,041,710)	(814,174)	(452,762)	(238,331)
Laba Bersih Tahun Berjalan	920,104	3,587,535	2,882,961	1,645,283	788,974	3,566,519	2,785,622	1,529,585	807,314
▼ Pendapatan Komprehensif Lain	(688,931)	735,674	874,721	418,245	140,060	(51,126)	266,479	(123,113)	8,002
Others	(688,931)	735,674	874,721	418,245	140,060	(51,126)	266,479	(123,113)	8,002
Total Pendapatan Komprehensif Lain	(688,931)	735,674	874,721	418,245	140,060	(51,126)	266,479	(123,113)	8,002
Jumlah Laba Komprehensif	231,173	4,323,209	3,757,682	2,063,528	929,034	3,515,393	3,052,101	1,406,472	815,316
▼ Laba Bersih Yang Dapat Diatribusikan	920,104	3,587,535	2,882,961	1,645,283	788,974	3,566,519	2,785,622	1,529,585	807,314
Pemilik Entitas Induk	920,104	3,587,535	2,882,961	1,645,283	788,974	3,566,519	2,785,622	1,529,585	807,314
Kepentingan Non-Pengendali	-	-	-	-	-	-	-	-	-
Total Laba Bersih Yang Dapat Diatribusikan	920,104	3,587,535	2,882,961	1,645,283	788,974	3,566,519	2,785,622	1,529,585	807,314
▼ Laba Komprehensif Yang Dapat Diatribusikan	231,173	4,323,209	3,757,682	2,063,528	929,034	3,515,393	3,052,101	1,406,472	815,316
Pemilik Entitas Induk	231,173	4,323,209	3,757,682	2,063,528	929,034	3,515,393	3,052,101	1,406,472	815,316
Kepentingan Non-Pengendali	-	-	-	-	-	-	-	-	-
Total Laba Komprehensif Yang Dapat Diatribusikan	231,173	4,323,209	3,757,682	2,063,528	929,034	3,515,393	3,052,101	1,406,472	815,316

Key Ratios — BNLI ROE, ROA, EPS disetahunkan · Metode Teguh Hidayat · Harga saham: Rp 2.370 (2026-07-24)

Rasio	Q1 2026 ×4	Q4 2025	Q3 2025 ×1⅓	Q2 2025 ×2	Q1 2025 ×4	Q4 2024	Q3 2024 ×1⅓	Q2 2024 ×2	Q1 2024 ×4
Profitabilitas
Gross Margin (%)	62.86%	59.35%	56.17%	55.94%	56.70%	58.01%	58.36%	58.86%	58.46%
Operating Margin (%)	29.80%	26.36%	28.84%	24.64%	23.78%	26.01%	27.40%	23.36%	24.76%
Net Margin (%)	23.09%	20.42%	22.36%	19.08%	18.41%	20.02%	21.06%	17.81%	18.89%
ROE (%)	7.99%	7.82%	8.49%	7.55%	7.25%	8.37%	8.81%	7.55%	7.91%
ROA (%)	1.40%	1.34%	1.43%	1.25%	1.19%	1.38%	1.46%	1.18%	1.28%
Per Lembar Saham
EPS (Rp)	102,75	100,16	107,31	91,87	88,11	99,57	103,69	85,41	90,15
BVPS (Rp)	1.286,45	1.279,97	1.264,09	1.216,79	1.215,32	1.189,38	1.176,45	1.130,51	1.139,26
Valuasi
PER (x)	23.07x	23.66x	22.09x	25.80x	26.90x	23.80x	22.86x	27.75x	26.29x
PBV (x)	1.84x	1.85x	1.87x	1.95x	1.95x	1.99x	2.01x	2.10x	2.08x
Struktur Modal
DER (x)	4.69x	4.85x	4.95x	5.06x	5.07x	5.08x	5.04x	5.38x	5.20x