MyState Limited (ASX:MYS)

MyState Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	608.58	478.92	352.97	159.75	164.34
Interest Paid on Deposits	452.01	354.39	220.38	49.5	52.39
Net Interest Income	156.57	124.54	132.59	110.25	111.95
Net Interest Income Growth (YoY)	25.72%	-6.08%	20.27%	-1.52%	12.49%
Trust Income	14.54	15.4	14.31	14.82	13.62
Gain (Loss) on Sale of Assets	-	-	-	0.32	-
Other Non-Interest Income	15.53	12.49	13.48	15.1	12.95
Total Non-Interest Income	30.07	27.89	27.79	30.25	26.57
Non-Interest Income Growth (YoY)	7.80%	0.39%	-8.14%	13.84%	-9.44%
Revenues Before Loan Losses	186.64	152.43	160.38	140.49	138.52
Provision for Loan Losses	0.48	1.2	2.54	-0.76	-1
Revenue	186.16	151.23	157.84	141.25	139.52
Revenue Growth (YoY)	23.10%	-4.19%	11.74%	1.25%	12.57%
Salaries and Employee Benefits	57.45	45.23	44.04	42.61	39.11
Occupancy Expenses	4.94	3.72	3.94	4.11	4.76
Selling, General & Administrative	61.01	48.8	51.49	46.17	38.44
Other Non-Interest Expense	3.58	3.28	3.19	2.99	2.58
Total Non-Interest Expense	126.98	101.02	102.65	95.88	84.9
EBT Excluding Unusual Items	59.18	50.2	55.19	45.37	54.62
Asset Writedown	-	-	-	0.53	-
Pretax Income	53.3	50.2	55.19	45.9	52.06
Income Tax Expense	17.74	14.91	16.68	13.88	15.72
Earnings From Continuing Operations	35.56	35.29	38.5	32.03	36.34
Net Income	35.56	35.29	38.5	32.03	36.34
Net Income to Common	35.56	35.29	38.5	32.03	36.34
Net Income Growth	0.76%	-8.34%	20.22%	-11.87%	20.89%
Basic Shares Outstanding	135	110	109	106	93
Diluted Shares Outstanding	165	140	138	106	93
Shares Change (YoY)	17.60%	1.32%	30.09%	14.51%	1.39%
EPS (Basic)	0.26	0.32	0.35	0.30	0.39
EPS (Diluted)	0.24	0.28	0.31	0.30	0.39
EPS Growth	-14.37%	-10.69%	2.34%	-23.04%	19.24%
Dividend Per Share	0.215	0.230	0.230	0.240	0.255
Dividend Growth	-6.52%	-	-4.17%	-5.88%	78.95%
Effective Tax Rate	33.28%	29.71%	30.23%	30.23%	30.19%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.