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PNBN — Income Statement (Laba Rugi)

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Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — PNBN Bank Pan Indonesia Tbk

Emiten
Tahun (s/d)
Periode
Satuan
 
Laba Rugi Neraca Arus Kas
PNBN — 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 Q2 2024
▼ Total Pendapatan 4,167,48617,061,84812,772,9918,627,1974,281,59417,274,23612,603,4958,424,476
Pendapatan Bunga 3,837,72715,600,13511,665,4537,824,7963,927,32015,453,97011,391,4237,551,950
Provisi Dan Komisi Kredit 329,7591,461,7131,107,538802,401354,2741,820,2661,212,072872,526
Total Pendapatan 4,167,48617,061,84812,772,9918,627,1974,281,59417,274,23612,603,4958,424,476
▼ Total Beban Pokok Penjualan (1,507,461)(6,656,880)(5,107,386)(3,441,462)(1,762,273)(6,545,430)(4,724,178)(3,110,938)
Beban Bunga (1,507,461)(6,656,880)(5,107,386)(3,441,462)(1,762,273)(6,545,430)(4,724,178)(3,110,938)
Beban Provisi Dan Komisi --------
Total Beban Pokok Penjualan (1,507,461)(6,656,880)(5,107,386)(3,441,462)(1,762,273)(6,545,430)(4,724,178)(3,110,938)
Laba Kotor 2,660,02510,404,9687,665,6055,185,7352,519,32110,728,8067,879,3175,313,538
▼ Total Beban Usaha (1,748,214)(6,580,375)(4,898,555)(3,398,801)(1,567,315)(7,058,107)(5,011,858)(3,635,588)
▼ Pendapatan Operasional Lainnya (274,172)(690,803)(587,654)(512,525)(113,505)(1,341,396)(478,901)(689,380)
Provisi Dan Komisi Lainnya --------
Keuntungan Transaksi Perdagangan --------
Pendapatan Dividen --18,25618,237--14,51814,518
Keuntungan (Rugi) Atas Transaksi Derivatif --------
Others (274,172)(690,803)(605,910)(530,762)(113,505)(1,341,396)(493,419)(703,898)
Total Pendapatan Operasional (274,172)(690,803)(587,654)(512,525)(113,505)(1,341,396)(478,901)(689,380)
▼ Beban Operasional Lainnya (1,474,042)(5,889,572)(4,310,901)(2,886,276)(1,453,810)(5,716,711)(4,532,957)(2,946,208)
Beban Penyisihan Kerugian Penurunan Nilai --------
Beban Umum Dan Administrasi (582,893)(2,178,869)(1,618,928)(1,084,102)(541,873)(2,167,244)(1,647,009)(1,051,851)
Others (891,149)(3,710,703)(2,691,973)(1,802,174)(911,937)(3,549,467)(2,885,948)(1,894,357)
Total Beban Operasional (1,474,042)(5,889,572)(4,310,901)(2,886,276)(1,453,810)(5,716,711)(4,532,957)(2,946,208)
Total Beban Usaha (1,748,214)(6,580,375)(4,898,555)(3,398,801)(1,567,315)(7,058,107)(5,011,858)(3,635,588)
Laba Usaha 911,8113,824,5932,767,0501,786,934952,0063,670,6992,867,4591,677,950
▼ Penghasilan/Beban Lain-Lain 28,038111,39617,62422,8599,069(15,805)33,34037,164
Others 28,038111,39617,62422,8599,069(15,805)33,34037,164
Total Penghasilan/Beban Lain-Lain 28,038111,39617,62422,8599,069(15,805)33,34037,164
Laba Sebelum Pajak 939,8493,935,9892,784,6741,809,793961,0753,654,8942,900,7991,715,114
▼ Beban Pajak Penghasilan (196,544)(1,065,571)(589,766)(385,598)(211,627)(788,131)(605,634)(350,049)
Pajak Kini --------
Pajak Tangguhan --------
Total Beban Pajak Penghasilan (196,544)(1,065,571)(589,766)(385,598)(211,627)(788,131)(605,634)(350,049)
Laba Bersih Tahun Berjalan 743,3052,870,4182,194,9081,424,195749,4482,866,7632,295,1651,365,065
▼ Pendapatan Komprehensif Lain (1,384,427)954,116743,630434,383196,358(109,632)273,519(181,478)
Others (1,384,427)954,116743,630434,383196,358(109,632)273,519(181,478)
Total Pendapatan Komprehensif Lain (1,384,427)954,116743,630434,383196,358(109,632)273,519(181,478)
Jumlah Laba Komprehensif (641,122)3,824,5342,938,5381,858,578945,8062,757,1312,568,6841,183,587
▼ Laba Bersih Yang Dapat Diatribusikan 743,3052,870,4182,194,9081,424,195749,4482,866,7632,295,1651,365,065
Pemilik Entitas Induk 698,5302,750,0442,119,1901,380,353731,5052,738,1432,187,9471,276,217
Kepentingan Non-Pengendali 44,775120,37475,71843,84217,943128,620107,21888,848
Total Laba Bersih Yang Dapat Diatribusikan 743,3052,870,4182,194,9081,424,195749,4482,866,7632,295,1651,365,065
▼ Laba Komprehensif Yang Dapat Diatribusikan (641,122)3,824,5342,938,5381,858,578945,8062,757,1312,568,6841,183,587
Pemilik Entitas Induk (680,257)3,675,1472,843,6951,808,073925,0652,619,5342,456,8531,093,954
Kepentingan Non-Pengendali 39,135149,38794,84350,50520,741137,597111,83189,633
Total Laba Komprehensif Yang Dapat Diatribusikan (641,122)3,824,5342,938,5381,858,578945,8062,757,1312,568,6841,183,587
Key Ratios — PNBN ROE, ROA, EPS disetahunkan · Metode Teguh Hidayat · Harga saham: Rp 885 (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
Profitabilitas
Gross Margin (%) 63.83% 60.98% 60.01% 60.11% 58.84% 62.11% 62.52% 63.07%
Operating Margin (%) 21.88% 22.42% 21.66% 20.71% 22.23% 21.25% 22.75% 19.92%
Net Margin (%) 16.76% 16.12% 16.59% 16.00% 17.08% 15.85% 17.36% 15.15%
ROE (%) 5.15% 5.00% 5.22% 5.20% 5.49% 5.23% 5.59% 5.02%
ROA (%) 1.24% 1.16% 1.25% 1.21% 1.28% 1.12% 1.27% 1.16%
Per Lembar Saham
EPS (Rp) 117,21 115,37 118,53 115,81 122,75 114,87 122,38 107,08
BVPS (Rp) 2.277,69 2.306,23 2.271,06 2.227,61 2.233,84 2.195,03 2.188,21 2.131,03
Valuasi
PER (x) 7.55x 7.67x 7.47x 7.64x 7.21x 7.70x 7.23x 8.26x
PBV (x) 0.39x 0.38x 0.39x 0.40x 0.40x 0.40x 0.40x 0.42x
Struktur Modal
DER (x) 2.62x 2.79x 2.67x 2.78x 2.82x 3.14x 2.92x 2.81x