KLSE:HLFG Income Statement

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

Millions MYR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest Income on Loans	8,943	8,953	8,881	7,549	5,673	5,587
Interest Income on Investments	134.79	135.37	161.29	214.22	270.94	208.54
Total Interest Income	9,078	9,089	9,042	7,763	5,944	5,795
Interest Paid on Deposits	5,016	5,033	5,120	3,977	2,087	2,236
Net Interest Income	4,062	4,056	3,923	3,787	3,857	3,559
Net Interest Income Growth (YoY)	1.28%	3.40%	3.59%	-1.81%	8.36%	19.77%
Gain (Loss) on Sale of Assets	9.06	9.12	8.74	0.39	1.75	5.38
Gain (Loss) on Sale of Investments	-173.08	-158.1	229.56	159.49	138.88	323.66
Other Non-Interest Income	2,959	2,902	2,489	2,530	2,255	2,312
Total Non-Interest Income	2,795	2,753	2,727	2,690	2,396	2,641
Non-Interest Income Growth (YoY)	-5.43%	0.97%	1.39%	12.26%	-9.27%	14.78%
Revenues Before Loan Losses	6,857	6,809	6,650	6,476	6,252	6,200
Provision for Loan Losses	-353.1	-383.35	-114.43	115.21	163.12	649.96
Revenue	7,210	7,193	6,764	6,361	6,089	5,550
Revenue Growth (YoY)	2.68%	6.34%	6.33%	4.47%	9.72%	12.29%
Salaries and Employee Benefits	1,427	1,435	1,456	1,381	1,324	1,370
Occupancy Expenses	149.43	153.9	174.54	182.53	194.96	204.5
Amortization of Goodwill & Intangibles	71.16	71.36	72.96	62	59.03	61.29
Selling, General & Administrative	755.29	783.46	727.35	731.61	706.94	657.67
Other Non-Interest Expense	167.71	173.32	167.12	131.87	93.67	73.28
Total Non-Interest Expense	1,105	1,090	918.47	1,110	1,249	1,577
EBT Excluding Unusual Items	6,105	6,103	5,846	5,251	4,840	3,973
Asset Writedown	-	-	-	-	-	-1
Pretax Income	6,105	6,103	5,846	5,251	4,840	3,972
Income Tax Expense	1,253	1,237	1,058	919.18	1,157	595.15
Earnings From Continuing Operations	4,852	4,866	4,787	4,332	3,683	3,376
Minority Interest in Earnings	-1,604	-1,611	-1,590	-1,451	-1,231	-1,111
Net Income	3,248	3,255	3,198	2,881	2,452	2,265
Net Income to Common	3,248	3,255	3,198	2,881	2,452	2,265
Net Income Growth	-1.68%	1.78%	11.00%	17.48%	8.25%	21.95%
Basic Shares Outstanding	1,134	1,134	1,134	1,134	1,134	1,134
Diluted Shares Outstanding	1,134	1,134	1,134	1,134	1,134	1,134
Shares Change (YoY)	0.00%	0.01%	0.01%	0.01%	0.01%	-0.14%
EPS (Basic)	2.86	2.87	2.82	2.54	2.16	2.00
EPS (Diluted)	2.86	2.87	2.82	2.54	2.16	2.00
EPS Growth	-1.68%	1.78%	10.98%	17.46%	8.24%	22.12%
Dividend Per Share	0.360	0.720	0.540	0.490	0.460	0.400
Dividend Growth	-60.00%	33.33%	10.20%	6.52%	15.00%	5.26%
Effective Tax Rate	20.52%	20.26%	18.11%	17.50%	23.91%	14.99%

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