AFFIN Bank Berhad Income Statement

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

Millions MYR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,053	2,946	3,002	2,650	2,053	1,676
Interest Paid on Deposits	2,129	2,071	2,175	1,867	1,031	775.65
Net Interest Income	924.47	874.77	826.41	782.88	1,023	899.93
Net Interest Income Growth	7.60%	5.85%	5.56%	-23.44%	13.63%	16.55%
Gain (Loss) on Sale of Assets	2.53	2.46	2.67	1.04	0.41	0.01
Gain (Loss) on Sale of Investments	152.33	230	89.45	90.45	17.4	65.37
Other Non-Interest Income	1,504	1,334	1,251	1,111	1,014	885.46
Total Non-Interest Income	1,658	1,567	1,343	1,203	1,032	950.84
Non-Interest Income Growth	12.70%	16.63%	11.68%	16.55%	8.54%	-39.48%
Revenues Before Loan Losses	2,583	2,442	2,170	1,986	2,055	1,851
Provision for Loan Losses	128.69	24.17	-170.18	75.01	438.53	219.39
Revenue	2,454	2,417	2,340	1,911	1,616	1,631
Revenue Growth	1.25%	3.31%	22.46%	18.23%	-0.94%	-9.38%
Salaries and Employee Benefits	989.14	997.64	1,004	879.27	834.75	741.92
Occupancy Expenses	349.39	332.1	302.17	235.28	192.08	144.38
Amortization of Goodwill & Intangibles	22.89	21.75	20.02	21.65	23.33	26.28
Selling, General & Administrative	272.39	245.41	218.08	199.12	201.72	186.65
Other Non-Interest Expense	75.49	80.21	79.22	80.99	66.25	40.55
Total Non-Interest Expense	1,702	1,648	1,584	1,387	1,312	1,097
EBT Excluding Unusual Items	752.19	768.84	755.48	523.85	304.53	534.8
Asset Writedown	-0.3	-0.21	-0.32	-0	-0.13	-0.15
Other Unusual Items	-	-	-	-	-	-5.6
Pretax Income	748.82	760.7	707.74	522.89	239.39	528.82
Income Tax Expense	213.19	220.5	198.03	120.7	161.36	95.21
Earnings From Continuing Operations	535.64	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	535.64	540.19	509.7	402.19	1,179	526.93
Net Income to Common	535.64	540.19	509.7	402.19	1,179	526.93
Net Income Growth	-2.34%	5.98%	26.73%	-65.87%	123.66%	128.78%
Basic Shares Outstanding	2,539	2,534	2,510	2,437	2,288	2,228
Diluted Shares Outstanding	2,579	2,569	2,536	2,453	2,288	2,228
Shares Change	0.19%	1.31%	3.38%	7.22%	2.68%	1.10%
EPS (Basic)	0.21	0.21	0.20	0.17	0.52	0.24
EPS (Diluted)	0.21	0.21	0.20	0.16	0.52	0.24
EPS Growth	-2.93%	4.48%	22.56%	-68.16%	117.82%	126.30%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.085	0.085	-	0.055	0.117	0.118
Dividend Growth	-	-	-	-53.13%	-1.60%	256.63%
Effective Tax Rate	28.47%	28.99%	27.98%	23.08%	67.40%	18.00%