Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — BBKP PT Bank KB Bukopin Tbk

BBKP — Income Statement (Laba Rugi)

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	1,418,002	5,543,347	4,174,216	2,681,473	1,328,579	5,532,135	4,181,042	2,721,432	1,286,888
Pendapatan Bunga	1,400,864	5,437,720	4,082,321	2,677,272	1,320,899	5,454,099	4,122,769	2,665,725	1,257,264
Provisi Dan Komisi Kredit	17,138	105,627	91,895	4,201	7,680	78,036	58,273	55,707	29,624
Total Pendapatan	1,418,002	5,543,347	4,174,216	2,681,473	1,328,579	5,532,135	4,181,042	2,721,432	1,286,888
▼ Total Beban Pokok Penjualan	(993,820)	(4,245,774)	(3,181,431)	(2,104,154)	(1,072,574)	(4,301,374)	(3,188,149)	(2,095,560)	(1,029,306)
Beban Bunga	(993,820)	(4,245,774)	(3,181,431)	(2,104,154)	(1,072,574)	(4,301,374)	(3,188,149)	(2,095,560)	(1,029,306)
Beban Provisi Dan Komisi	-	-	-	-	-	-	-	-	-
Total Beban Pokok Penjualan	(993,820)	(4,245,774)	(3,181,431)	(2,104,154)	(1,072,574)	(4,301,374)	(3,188,149)	(2,095,560)	(1,029,306)
Laba Kotor	424,182	1,297,573	992,785	577,319	256,005	1,230,761	992,893	625,872	257,582
▼ Total Beban Usaha	(406,143)	(2,392,873)	(1,164,611)	(634,571)	(186,670)	(6,016,948)	(4,408,237)	(4,655,233)	(1,353,667)
▼ Pendapatan Operasional Lainnya	(6,420)	(466,616)	117,517	208,800	216,675	(4,231,674)	(113,916)	(128,497)	(930,989)
Provisi Dan Komisi Lainnya	-	-	-	-	-	-	-	-	-
Keuntungan Transaksi Perdagangan	-	-	-	-	-	-	-	-	-
Pendapatan Dividen	-	-	-	-	-	-	-	157	-
Keuntungan (Rugi) Atas Transaksi Derivatif	-	-	-	-	-	-	-	-	-
Others	(6,420)	(466,616)	117,517	208,800	216,675	(4,231,674)	(113,916)	(128,654)	(930,989)
Total Pendapatan Operasional	(6,420)	(466,616)	117,517	208,800	216,675	(4,231,674)	(113,916)	(128,497)	(930,989)
▼ Beban Operasional Lainnya	(399,723)	(1,926,257)	(1,282,128)	(843,371)	(403,345)	(1,785,274)	(4,294,321)	(4,526,736)	(422,678)
Beban Penyisihan Kerugian Penurunan Nilai	-	-	(1,536)	8,426	-	-	(3,067,386)	(3,720,209)	-
Beban Umum Dan Administrasi	(170,102)	(1,024,073)	(633,147)	(430,235)	(209,049)	(878,897)	(609,383)	(401,429)	(184,397)
Others	(229,621)	(902,184)	(647,445)	(421,562)	(194,296)	(906,377)	(617,552)	(405,098)	(238,281)
Total Beban Operasional	(399,723)	(1,926,257)	(1,282,128)	(843,371)	(403,345)	(1,785,274)	(4,294,321)	(4,526,736)	(422,678)
Total Beban Usaha	(406,143)	(2,392,873)	(1,164,611)	(634,571)	(186,670)	(6,016,948)	(4,408,237)	(4,655,233)	(1,353,667)
Laba Usaha	18,039	(1,095,300)	(171,826)	(57,252)	69,335	(4,786,187)	(3,415,344)	(4,029,361)	(1,096,085)
▼ Penghasilan/Beban Lain-Lain	(9,428)	1,237,859	549,404	563,213	383,043	(118,033)	(30,493)	11,259	39,168
Others	(9,428)	1,237,859	549,404	563,213	383,043	(118,033)	(30,493)	11,259	39,168
Total Penghasilan/Beban Lain-Lain	(9,428)	1,237,859	549,404	563,213	383,043	(118,033)	(30,493)	11,259	39,168
Laba Sebelum Pajak	8,611	142,559	377,578	505,961	452,378	(4,904,220)	(3,445,837)	(4,018,102)	(1,056,917)
▼ Beban Pajak Penghasilan	(3,353)	(17,150)	(88,925)	(116,293)	(100,255)	(1,424,400)	758,279	885,259	229,857
Pajak Kini	-	-	-	-	-	-	-	-	-
Pajak Tangguhan	-	-	-	-	-	-	-	-	-
Total Beban Pajak Penghasilan	(3,353)	(17,150)	(88,925)	(116,293)	(100,255)	(1,424,400)	758,279	885,259	229,857
Laba Bersih Tahun Berjalan	10,673	66,588	288,653	389,668	352,123	(6,328,620)	(2,687,558)	(3,132,843)	(827,060)
▼ Pendapatan Komprehensif Lain	(6,179)	11,933	14,426	16,770	5,146	180,243	34,553	(28,495)	(4,943)
Others	(6,179)	11,933	14,426	16,770	5,146	180,243	34,553	(28,495)	(4,943)
Total Pendapatan Komprehensif Lain	(6,179)	11,933	14,426	16,770	5,146	180,243	34,553	(28,495)	(4,943)
Jumlah Laba Komprehensif	4,494	78,521	303,079	406,438	357,269	(6,148,377)	(2,653,005)	(3,161,338)	(832,003)
▼ Laba Bersih Yang Dapat Diatribusikan	10,673	66,588	288,653	389,668	352,123	(6,328,620)	(2,687,558)	(3,132,843)	(827,060)
Pemilik Entitas Induk	10,509	65,921	288,146	389,320	351,920	(6,329,138)	(2,689,009)	(3,133,447)	(827,303)
Kepentingan Non-Pengendali	164	667	507	348	203	518	1,451	604	243
Total Laba Bersih Yang Dapat Diatribusikan	10,673	66,588	288,653	389,668	352,123	(6,328,620)	(2,687,558)	(3,132,843)	(827,060)
▼ Laba Komprehensif Yang Dapat Diatribusikan	4,494	78,521	303,079	406,438	357,269	(6,148,377)	(2,653,005)	(3,161,338)	(832,003)
Pemilik Entitas Induk	4,330	77,857	302,572	406,090	357,066	(6,148,908)	(2,654,456)	(3,161,942)	(832,246)
Kepentingan Non-Pengendali	164	664	507	348	203	531	1,451	604	243
Total Laba Komprehensif Yang Dapat Diatribusikan	4,494	78,521	303,079	406,438	357,269	(6,148,377)	(2,653,005)	(3,161,338)	(832,003)

Key Ratios — BBKP ROE, ROA, EPS disetahunkan · Metode Teguh Hidayat · Harga saham: Rp 53 (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 (%)	29.91%	23.41%	23.78%	21.53%	19.27%	22.25%	23.75%	23.00%	20.02%
Operating Margin (%)	1.27%	19.76%	4.12%	2.14%	5.22%	86.52%	81.69%	148.06%	85.17%
Net Margin (%)	0.74%	1.19%	6.90%	14.52%	26.49%	114.41%	64.31%	115.14%	64.29%
ROE (%)	0.52%	0.82%	4.63%	9.28%	16.87%	79.24%	31.23%	57.10%	24.87%
ROA (%)	0.05%	0.07%	0.43%	0.93%	1.66%	7.62%	4.25%	7.49%	3.98%
Per Lembar Saham
EPS (Rp)	0,23	0,35	2,07	4,19	7,58	34,06	19,29	33,73	17,81
BVPS (Rp)	43,43	43,40	44,61	45,17	44,91	42,98	61,79	59,06	71,60
Valuasi
PER (x)	230.43x	151.43x	25.60x	12.65x	6.99x	n/a	n/a	n/a	n/a
PBV (x)	1.22x	1.22x	1.19x	1.17x	1.18x	1.23x	0.86x	0.90x	0.74x
Struktur Modal
DER (x)	9.76x	10.17x	9.81x	8.99x	9.20x	9.43x	6.37x	6.65x	5.26x