AFFIN Bank Berhad (KLSE:AFFIN)

AFFIN Bank Berhad Income Statement

Financials in millions MYR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,925	3,002	2,650	2,053	1,676	1,807
Interest Paid on Deposits	2,073	2,175	1,867	1,031	775.65	1,035
Net Interest Income	852.17	826.41	782.88	1,023	899.93	772.14
Net Interest Income Growth (YoY)	9.54%	5.56%	-23.44%	13.63%	16.55%	3.91%
Gain (Loss) on Sale of Assets	4.41	2.67	1.04	0.41	0.01	0.02
Gain (Loss) on Sale of Investments	198.35	89.45	90.45	17.4	65.37	-
Other Non-Interest Income	1,251	1,251	1,111	1,014	885.46	1,571
Total Non-Interest Income	1,454	1,343	1,203	1,032	950.84	1,571
Non-Interest Income Growth (YoY)	10.10%	11.68%	16.55%	8.54%	-39.48%	34.14%
Revenues Before Loan Losses	2,306	2,170	1,986	2,055	1,851	2,343
Provision for Loan Losses	-73.07	-170.18	75.01	438.53	219.39	543.13
Revenue	2,379	2,340	1,911	1,616	1,631	1,800
Revenue Growth (YoY)	9.34%	22.46%	18.23%	-0.94%	-9.38%	-3.45%
Salaries and Employee Benefits	1,020	1,018	883.42	834.75	741.92	881.4
Occupancy Expenses	314.23	302.17	235.28	192.08	144.38	152.94
Amortization of Goodwill & Intangibles	21.22	20.02	21.65	23.33	26.28	38.11
Selling, General & Administrative	224.14	218.08	199.12	201.72	186.65	245.13
Other Non-Interest Expense	78.47	79.22	80.99	66.25	40.55	48.81
Total Non-Interest Expense	1,579	1,584	1,387	1,312	1,097	1,327
EBT Excluding Unusual Items	800.06	755.48	523.85	304.53	534.8	472.94
Asset Writedown	2.37	-0.32	-0	-0.13	-0.15	-0.31
Other Unusual Items	-	-	-	-	-5.6	-78.45
Pretax Income	750.93	707.74	522.89	239.39	528.82	394.18
Income Tax Expense	203.27	198.03	120.7	161.36	95.21	121.33
Earnings From Continuing Operations	547.66	509.7	402.19	78.03	433.61	272.85
Earnings From Discontinued Operations	-	-	-	1,125	146.72	-
Minority Interest in Earnings	-	-	-	-24.96	-53.39	-42.53
Net Income	547.66	509.7	402.19	1,179	526.93	230.32
Net Income to Common	547.66	509.7	402.19	1,179	526.93	230.32
Net Income Growth	32.24%	26.73%	-65.87%	123.66%	128.78%	-52.78%
Basic Shares Outstanding	2,633	2,508	2,437	2,288	2,228	2,127
Diluted Shares Outstanding	2,658	2,536	2,453	2,288	2,228	2,204
Shares Change (YoY)	9.81%	3.38%	7.22%	2.68%	1.10%	2.09%
EPS (Basic)	0.21	0.20	0.17	0.52	0.24	0.11
EPS (Diluted)	0.21	0.20	0.16	0.52	0.24	0.10
EPS Growth	20.32%	22.56%	-68.16%	117.82%	126.30%	-53.74%
Dividend Per Share	-	-	0.055	0.117	0.118	0.033
Dividend Growth	-	-	-53.13%	-1.60%	256.63%	-49.93%
Effective Tax Rate	27.07%	27.98%	23.08%	67.40%	18.00%	30.78%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.