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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	19,009	18,871	18,040	14,932	13,475	14,184
Interest Paid on Deposits	9,402	9,420	8,985	5,765	5,160	7,004
Net Interest Income	9,607	9,451	9,055	9,167	8,315	7,180
Net Interest Income Growth (YoY)	4.18%	4.37%	-1.22%	10.24%	15.81%	-3.42%
Gain (Loss) on Sale of Assets	0.58	0.59	1.52	3.03	1.04	0.68
Gain (Loss) on Sale of Investments	141.95	118.18	45.98	67.08	55.53	437.58
Other Non-Interest Income	4,765	4,470	4,003	4,193	4,135	3,533
Total Non-Interest Income	4,907	4,589	4,050	4,263	4,191	3,971
Non-Interest Income Growth (YoY)	17.40%	13.31%	-5.00%	1.72%	5.54%	9.78%
Revenues Before Loan Losses	14,514	14,040	13,105	13,430	12,506	11,151
Provision for Loan Losses	11.57	0.57	156.69	365.56	1,201	1,106
Revenue	14,502	14,040	12,949	13,065	11,305	10,045
Revenue Growth (YoY)	9.80%	8.43%	-0.89%	15.57%	12.55%	-7.82%
Salaries and Employee Benefits	3,656	3,551	3,196	3,044	2,896	2,867
Occupancy Expenses	384.97	398.23	429.64	433.54	363.31	364.42
Selling, General & Administrative	923.2	853.04	763.11	732.61	681.26	654.81
Other Non-Interest Expense	20.99	24.56	26.04	25.36	24.34	23.98
Total Non-Interest Expense	4,822	4,605	4,395	4,239	3,976	3,916
EBT Excluding Unusual Items	9,680	9,435	8,554	8,826	7,329	6,129
Asset Writedown	-40.62	-29.42	-8.93	5.11	4.77	-18.12
Other Unusual Items	-	-	-	-	33.07	174.62
Pretax Income	9,166	8,932	8,539	8,831	7,367	6,285
Income Tax Expense	1,985	1,913	1,884	2,661	1,637	1,353
Earnings From Continuing Operations	7,181	7,019	6,655	6,170	5,730	4,932
Minority Interest in Earnings	36.95	127.97	-5.7	-50.13	-73.35	-60.56
Net Income	7,218	7,147	6,649	6,119	5,657	4,872
Net Income to Common	7,218	7,147	6,649	6,119	5,657	4,872
Net Income Growth	6.90%	7.49%	8.66%	8.19%	16.11%	-11.61%
Basic Shares Outstanding	19,354	19,402	19,411	19,411	19,411	19,411
Diluted Shares Outstanding	19,354	19,402	19,411	19,411	19,411	19,411
Shares Change (YoY)	-0.29%	-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	7.21%	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	21.66%	21.41%	22.06%	30.14%	22.22%	21.52%

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