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

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	5,907,968	25,440,274	19,143,356	12,772,242	6,440,649	25,159,295	18,749,556	6,032,621
Pendapatan Bunga	5,697,618	24,671,960	18,596,676	12,390,638	6,233,370	24,227,316	18,022,963	5,844,600
Provisi Dan Komisi Kredit	210,350	768,314	546,680	381,604	207,279	931,979	726,593	188,021
Total Pendapatan	5,907,968	25,440,274	19,143,356	12,772,242	6,440,649	25,159,295	18,749,556	6,032,621
▼ 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	3,430,029	14,244,603	10,625,159	7,005,308	3,526,108	14,198,519	10,734,382	3,472,918
▼ 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	1,205,438	3,496,413	2,657,092	1,752,550	899,655	2,891,023	2,169,286	834,843
Provisi Dan Komisi Lainnya	-	-	-	-	-	-	-	-
Keuntungan Transaksi Perdagangan	-	-	-	-	-	-	-	-
Pendapatan Dividen	-	-	-	-	-	-	-	-
Keuntungan (Rugi) Atas Transaksi Derivatif	-	-	-	-	-	-	-	-
Others	1,205,438	3,496,413	2,657,092	1,752,550	899,655	2,891,023	2,169,286	834,843
Total Pendapatan Operasional	1,205,438	3,496,413	2,657,092	1,752,550	899,655	2,891,023	2,169,286	834,843
▼ 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	483	9,215	5,780	545	101	22,744	5,105	1,500
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	2,264,615	8,782,085	6,575,618	4,426,168	2,157,578	8,362,887	6,410,144	2,152,806
▼ Penghasilan/Beban Lain-Lain	1,636	43,680	168,228	8,091	85,265	365,900	223,614	21,434
Others	1,636	43,680	168,228	8,091	85,265	365,900	223,614	21,434
Total Penghasilan/Beban Lain-Lain	1,636	43,680	168,228	8,091	85,265	365,900	223,614	21,434
Laba Sebelum Pajak	2,266,251	8,825,765	6,743,846	4,434,259	2,242,843	8,728,787	6,633,758	2,174,240
▼ 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	1,772,684	6,935,385	5,333,982	3,512,918	1,843,686	6,898,934	5,182,249	1,695,395
▼ Pendapatan Komprehensif Lain	(865,481)	1,962,809	1,721,606	1,043,334	517,726	(89,119)	645,014	134,070
Others	(865,481)	1,962,809	1,721,606	1,043,334	517,726	(89,119)	645,014	134,070
Total Pendapatan Komprehensif Lain	(865,481)	1,962,809	1,721,606	1,043,334	517,726	(89,119)	645,014	134,070
Jumlah Laba Komprehensif	907,203	8,898,194	7,055,588	4,556,252	2,361,412	6,809,815	5,827,263	1,829,465
▼ Laba Bersih Yang Dapat Diatribusikan	1,772,684	6,935,385	5,333,982	3,512,918	1,843,686	6,898,934	5,182,249	1,695,395
Pemilik Entitas Induk	1,764,956	6,876,537	5,268,586	3,454,867	1,804,933	6,825,773	5,133,044	1,681,041
Kepentingan Non-Pengendali	7,728	58,848	65,396	58,051	38,753	73,161	49,205	14,354
Total Laba Bersih Yang Dapat Diatribusikan	1,772,684	6,935,385	5,333,982	3,512,918	1,843,686	6,898,934	5,182,249	1,695,395
▼ Laba Komprehensif Yang Dapat Diatribusikan	907,203	8,898,194	7,055,588	4,556,252	2,361,412	6,809,815	5,827,263	1,829,465
Pemilik Entitas Induk	899,080	8,839,185	6,989,870	4,497,688	2,322,124	6,735,811	5,777,542	1,815,111
Kepentingan Non-Pengendali	8,123	59,009	65,718	58,564	39,288	74,004	49,721	14,354
Total Laba Komprehensif Yang Dapat Diatribusikan	907,203	8,898,194	7,055,588	4,556,252	2,361,412	6,809,815	5,827,263	1,829,465

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