Public Bank Berhad (KLSE:PBBANK)

Public 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	18,982	18,871	18,040	14,932	13,475	14,184
Interest Paid on Deposits	9,411	9,420	8,985	5,765	5,160	7,004
Net Interest Income	9,571	9,451	9,055	9,167	8,315	7,180
Net Interest Income Growth (YoY)	2.46%	4.37%	-1.22%	10.24%	15.81%	-3.42%
Gain (Loss) on Sale of Assets	0.74	0.59	1.52	3.03	1.04	0.68
Gain (Loss) on Sale of Investments	196.72	118.18	45.98	67.08	55.53	437.58
Other Non-Interest Income	4,892	4,470	4,003	4,193	4,135	3,533
Total Non-Interest Income	5,089	4,589	4,050	4,263	4,191	3,971
Non-Interest Income Growth (YoY)	17.82%	13.31%	-5.00%	1.72%	5.54%	9.78%
Revenues Before Loan Losses	14,660	14,040	13,105	13,430	12,506	11,151
Provision for Loan Losses	42.81	0.57	156.69	365.56	1,201	1,106
Revenue	14,617	14,040	12,949	13,065	11,305	10,045
Revenue Growth (YoY)	8.10%	8.43%	-0.89%	15.57%	12.55%	-7.82%
Salaries and Employee Benefits	3,682	3,551	3,196	3,044	2,896	2,867
Occupancy Expenses	382.74	398.23	429.64	433.54	363.31	364.42
Selling, General & Administrative	944.57	853.04	763.11	732.61	681.26	654.81
Other Non-Interest Expense	20.7	24.56	26.04	25.36	24.34	23.98
Total Non-Interest Expense	4,933	4,605	4,395	4,239	3,976	3,916
EBT Excluding Unusual Items	9,684	9,435	8,554	8,826	7,329	6,129
Asset Writedown	-40.69	-29.42	-8.93	5.11	4.77	-18.12
Other Unusual Items	-	-	-	-	33.07	174.62
Pretax Income	9,170	8,932	8,539	8,831	7,367	6,285
Income Tax Expense	1,993	1,913	1,884	2,661	1,637	1,353
Earnings From Continuing Operations	7,177	7,019	6,655	6,170	5,730	4,932
Minority Interest in Earnings	-29.01	127.97	-5.7	-50.13	-73.35	-60.56
Net Income	7,148	7,147	6,649	6,119	5,657	4,872
Net Income to Common	7,148	7,147	6,649	6,119	5,657	4,872
Net Income Growth	2.65%	7.49%	8.66%	8.19%	16.11%	-11.61%
Basic Shares Outstanding	19,330	19,402	19,411	19,411	19,411	19,411
Diluted Shares Outstanding	19,330	19,402	19,411	19,411	19,411	19,411
Shares Change (YoY)	-0.42%	-0.04%	-	-	-	-
EPS (Basic)	0.37	0.37	0.34	0.32	0.29	0.25
EPS (Diluted)	0.37	0.37	0.34	0.32	0.29	0.25
EPS Growth	3.08%	7.53%	8.66%	8.19%	16.11%	-11.61%
Dividend Per Share	0.215	0.210	0.190	0.170	0.152	0.130
Dividend Growth	7.50%	10.53%	11.77%	11.84%	16.92%	-10.96%
Effective Tax Rate	21.74%	21.41%	22.06%	30.14%	22.22%	21.52%

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