AFFIN Bank Berhad (KLSE:AFFIN)

AFFIN Bank Berhad Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	2,946	3,002	2,650	2,053	1,676
Interest Paid on Deposits	2,071	2,175	1,867	1,031	775.65
Net Interest Income	874.77	826.41	782.88	1,023	899.93
Net Interest Income Growth (YoY)	5.85%	5.56%	-23.44%	13.63%	16.55%
Gain (Loss) on Sale of Assets	-	2.67	1.04	0.41	0.01
Gain (Loss) on Sale of Investments	-	89.45	90.45	17.4	65.37
Other Non-Interest Income	1,567	1,251	1,111	1,014	885.46
Total Non-Interest Income	1,567	1,343	1,203	1,032	950.84
Non-Interest Income Growth (YoY)	16.63%	11.68%	16.55%	8.54%	-39.48%
Revenues Before Loan Losses	2,442	2,170	1,986	2,055	1,851
Provision for Loan Losses	24.17	-170.18	75.01	438.53	219.39
Revenue	2,417	2,340	1,911	1,616	1,631
Revenue Growth (YoY)	3.31%	22.46%	18.23%	-0.94%	-9.38%
Salaries and Employee Benefits	-	1,018	883.42	834.75	741.92
Occupancy Expenses	-	302.17	235.28	192.08	144.38
Amortization of Goodwill & Intangibles	-	20.02	21.65	23.33	26.28
Selling, General & Administrative	-	218.08	199.12	201.72	186.65
Other Non-Interest Expense	1,709	79.22	80.99	66.25	40.55
Total Non-Interest Expense	1,657	1,584	1,387	1,312	1,097
EBT Excluding Unusual Items	760.7	755.48	523.85	304.53	534.8
Asset Writedown	-	-0.32	-0	-0.13	-0.15
Other Unusual Items	-	-	-	-	-5.6
Pretax Income	760.7	707.74	522.89	239.39	528.82
Income Tax Expense	220.5	198.03	120.7	161.36	95.21
Earnings From Continuing Operations	540.19	509.7	402.19	78.03	433.61
Earnings From Discontinued Operations	-	-	-	1,125	146.72
Minority Interest in Earnings	-	-	-	-24.96	-53.39
Net Income	540.19	509.7	402.19	1,179	526.93
Net Income to Common	540.19	509.7	402.19	1,179	526.93
Net Income Growth	5.98%	26.73%	-65.87%	123.66%	128.78%
Basic Shares Outstanding	2,534	2,508	2,437	2,288	2,228
Diluted Shares Outstanding	2,569	2,536	2,453	2,288	2,228
Shares Change (YoY)	1.29%	3.38%	7.22%	2.68%	1.10%
EPS (Basic)	0.21	0.20	0.17	0.52	0.24
EPS (Diluted)	0.21	0.20	0.16	0.52	0.24
EPS Growth	4.63%	22.56%	-68.16%	117.82%	126.30%
Dividend Per Share	-	-	0.055	0.117	0.118
Dividend Growth	-	-	-53.13%	-1.60%	256.63%
Effective Tax Rate	28.99%	27.98%	23.08%	67.40%	18.00%

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