Public Bank Berhad (KLSE:PBBANK)

Public Bank Berhad Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	18,779	18,896	18,871	18,040	14,932	13,475
Interest Paid on Deposits	9,188	9,312	9,420	8,985	5,765	5,160
Net Interest Income	9,591	9,584	9,451	9,055	9,167	8,315
Net Interest Income Growth (YoY)	0.81%	1.40%	4.37%	-1.22%	10.24%	15.81%
Gain (Loss) on Sale of Assets	0.38	0.29	0.59	1.52	3.03	1.04
Gain (Loss) on Sale of Investments	152.91	165.36	118.18	45.98	67.08	55.53
Other Non-Interest Income	5,041	4,986	4,470	4,003	4,193	4,135
Total Non-Interest Income	5,194	5,152	4,589	4,050	4,263	4,191
Non-Interest Income Growth (YoY)	9.42%	12.26%	13.31%	-5.00%	1.72%	5.54%
Revenues Before Loan Losses	14,785	14,736	14,040	13,105	13,430	12,506
Provision for Loan Losses	79.89	66.83	0.57	156.69	365.56	1,201
Revenue	14,705	14,669	14,040	12,949	13,065	11,305
Revenue Growth (YoY)	2.94%	4.48%	8.43%	-0.89%	15.57%	12.55%
Salaries and Employee Benefits	3,716	3,696	3,551	3,196	3,044	2,896
Occupancy Expenses	389.97	384.04	398.23	429.64	433.54	363.31
Selling, General & Administrative	1,032	1,023	853.04	763.11	732.61	681.26
Other Non-Interest Expense	41.04	40.81	43.83	26.04	25.36	24.34
Total Non-Interest Expense	5,121	5,088	4,605	4,395	4,239	3,976
EBT Excluding Unusual Items	9,584	9,581	9,435	8,554	8,826	7,329
Asset Writedown	-38.24	-38.24	-29.42	-8.93	5.11	4.77
Other Unusual Items	-	-	-	-	-	33.07
Pretax Income	9,546	9,543	8,932	8,539	8,831	7,367
Income Tax Expense	2,138	2,136	1,913	1,884	2,661	1,637
Earnings From Continuing Operations	7,408	7,407	7,019	6,655	6,170	5,730
Minority Interest in Earnings	-177.02	-182.69	127.97	-5.7	-50.13	-73.35
Net Income	7,231	7,224	7,147	6,649	6,119	5,657
Net Income to Common	7,231	7,224	7,147	6,649	6,119	5,657
Net Income Growth	-0.11%	1.08%	7.49%	8.66%	8.19%	16.11%
Basic Shares Outstanding	19,313	19,313	19,402	19,411	19,411	19,411
Diluted Shares Outstanding	19,313	19,313	19,402	19,411	19,411	19,411
Shares Change (YoY)	-0.33%	-0.46%	-0.04%	-	-	-
EPS (Basic)	0.37	0.37	0.37	0.34	0.32	0.29
EPS (Diluted)	0.37	0.37	0.37	0.34	0.32	0.29
EPS Growth	0.22%	1.55%	7.53%	8.66%	8.19%	16.11%
Dividend Per Share	0.225	0.225	0.210	0.190	0.170	0.152
Dividend Growth	7.14%	7.14%	10.53%	11.77%	11.84%	16.92%
Effective Tax Rate	22.39%	22.38%	21.41%	22.06%	30.14%	22.22%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.