MBSB Berhad Income Statement

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

Millions MYR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	133.18	121.12	30.98	-	-	141.09
Interest Paid on Deposits	58.81	63.77	16.47	-	-	0.01
Net Interest Income	74.37	57.35	14.51	8	57.92	141.08
Net Interest Income Growth (YoY)	32.97%	295.27%	81.49%	-86.20%	-58.94%	-7.14%
Gain (Loss) on Sale of Assets	2.1	2.38	1.17	0.52	0.19	0.86
Gain (Loss) on Sale of Investments	54.42	20.24	-55.75	-27.06	-15.63	249.6
Other Non-Interest Income	1,464	1,569	1,077	1,539	1,612	1,400
Total Non-Interest Income	1,520	1,592	1,023	1,512	1,596	1,650
Non-Interest Income Growth (YoY)	9.60%	55.67%	-32.38%	-5.26%	-3.26%	30.88%
Revenues Before Loan Losses	1,595	1,649	1,037	1,520	1,654	1,791
Provision for Loan Losses	81.45	158.79	120.09	118.5	86	420.93
Revenue	1,513	1,490	917.04	1,402	1,568	1,370
Revenue Growth (YoY)	23.25%	62.53%	-34.58%	-10.61%	14.45%	5.54%
Salaries and Employee Benefits	604.6	544.76	395.72	310.71	258.98	288.25
Selling, General & Administrative	304.07	362.56	315.97	338.25	251.81	131.24
Other Non-Interest Expense	-	-	-	-	31.63	18.37
Total Non-Interest Expense	908.67	907.33	711.7	648.96	542.42	437.86
EBT Excluding Unusual Items	604.61	583.16	205.34	752.81	1,026	932.39
Other Unusual Items	3.19	3.19	354.38	-59.97	-311.69	-504.75
Pretax Income	607.8	586.35	559.72	691.34	714.11	427.64
Income Tax Expense	180.4	179.57	67.91	231.15	275.34	157.44
Earnings From Continuing Operations	427.4	406.78	491.81	460.19	438.78	270.2
Earnings From Discontinued Operations	-	-	-	-	-0.07	-0.88
Minority Interest in Earnings	0	0	-	-	-	-
Net Income	427.41	406.78	491.81	460.19	438.71	269.32
Net Income to Common	427.41	406.78	491.81	460.19	438.71	269.32
Net Income Growth	-23.18%	-17.29%	6.87%	4.90%	62.90%	-62.43%
Basic Shares Outstanding	8,222	8,222	7,433	7,171	7,058	6,814
Diluted Shares Outstanding	8,222	8,222	7,433	7,171	7,058	6,814
Shares Change (YoY)	0.01%	10.61%	3.65%	1.60%	3.58%	3.92%
EPS (Basic)	0.05	0.05	0.07	0.06	0.06	0.04
EPS (Diluted)	0.05	0.05	0.07	0.06	0.06	0.04
EPS Growth	-23.19%	-25.22%	3.10%	3.24%	57.26%	-63.84%
Dividend Per Share	0.038	0.045	0.035	0.085	0.030	0.020
Dividend Growth	-39.20%	30.00%	-58.82%	183.33%	50.00%	-33.33%
Effective Tax Rate	29.68%	30.63%	12.13%	33.43%	38.56%	36.82%

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