MyState Income Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Jun '24 Jun 30, 2024	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021	Jun '20 Jun 30, 2020	2019 - 2015
Interest Income on Loans	478.92	478.92	352.97	159.75	164.34	188.33	Upgrade
Interest Paid on Deposits	354.39	354.39	220.38	49.5	52.39	88.81	Upgrade
Net Interest Income	124.54	124.54	132.59	110.25	111.95	99.52	Upgrade
Net Interest Income Growth (YoY)	-6.08%	-6.08%	20.27%	-1.52%	12.49%	11.34%	Upgrade
Trust Income	15.4	15.4	14.31	14.82	13.62	15.64	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	0.32	-	0	Upgrade
Other Non-Interest Income	12.49	12.49	13.48	15.1	12.95	13.7	Upgrade
Total Non-Interest Income	27.89	27.89	27.79	30.25	26.57	29.34	Upgrade
Non-Interest Income Growth (YoY)	0.39%	0.39%	-8.14%	13.84%	-9.44%	-5.46%	Upgrade
Revenues Before Loan Losses	152.43	152.43	160.38	140.49	138.52	128.86	Upgrade
Provision for Loan Losses	1.2	1.2	2.54	-0.76	-1	4.92	Upgrade
Revenue	151.23	151.23	157.84	141.25	139.52	123.94	Upgrade
Revenue Growth (YoY)	-4.19%	-4.19%	11.74%	1.25%	12.57%	2.76%	Upgrade
Salaries and Employee Benefits	45.23	45.23	44.04	42.61	39.11	37.18	Upgrade
Occupancy Expenses	3.72	3.72	3.94	4.11	4.76	5.08	Upgrade
Selling, General & Administrative	48.8	48.8	51.49	46.17	38.44	36.13	Upgrade
Other Non-Interest Expense	3.28	3.28	3.19	2.99	2.58	2.56	Upgrade
Total Non-Interest Expense	101.02	101.02	102.65	95.88	84.9	80.95	Upgrade
EBT Excluding Unusual Items	50.2	50.2	55.19	45.37	54.62	42.99	Upgrade
Asset Writedown	-	-	-	0.53	-	-	Upgrade
Pretax Income	50.2	50.2	55.19	45.9	52.06	42.99	Upgrade
Income Tax Expense	14.91	14.91	16.68	13.88	15.72	12.93	Upgrade
Earnings From Continuing Operations	35.29	35.29	38.5	32.03	36.34	30.06	Upgrade
Net Income	35.29	35.29	38.5	32.03	36.34	30.06	Upgrade
Net Income to Common	35.29	35.29	38.5	32.03	36.34	30.06	Upgrade
Net Income Growth	-8.35%	-8.35%	20.22%	-11.87%	20.89%	-2.99%	Upgrade
Basic Shares Outstanding	110	110	109	106	93	91	Upgrade
Diluted Shares Outstanding	140	140	138	106	93	91	Upgrade
Shares Change (YoY)	1.32%	1.32%	30.09%	14.51%	1.39%	0.90%	Upgrade
EPS (Basic)	0.32	0.32	0.35	0.30	0.39	0.33	Upgrade
EPS (Diluted)	0.28	0.28	0.31	0.30	0.39	0.33	Upgrade
EPS Growth	-8.04%	-8.04%	2.34%	-23.04%	19.24%	-3.86%	Upgrade
Dividend Per Share	0.230	0.230	0.230	0.240	0.255	0.142	Upgrade
Dividend Growth	0%	0%	-4.17%	-5.88%	78.95%	-50.43%	Upgrade
Effective Tax Rate	29.71%	29.71%	30.23%	30.23%	30.19%	30.07%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.