Affin Bank Bhd (XKLS:5185) Effective Interest Rate on Debt % : 52.27% (As of Mar. 2025)

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What is Affin Bank Bhd Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Affin Bank Bhd's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was RM2,039 Mil. Affin Bank Bhd's average total debt for the quarter that ended in Mar. 2025 was RM3,901 Mil. Therefore, Affin Bank Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 52.27%.

Affin Bank Bhd Effective Interest Rate on Debt % Historical Data

The historical data trend for Affin Bank Bhd's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Affin Bank Bhd Effective Interest Rate on Debt % Chart

Affin Bank Bhd Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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29.40

23.29

34.78

62.87

60.43

Affin Bank Bhd Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															65.30	57.60	59.27	54.06	52.27

Competitive Comparison of Affin Bank Bhd's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Affin Bank Bhd's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Affin Bank Bhd's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Affin Bank Bhd's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Affin Bank Bhd's Effective Interest Rate on Debt % falls into.

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Affin Bank Bhd Effective Interest Rate on Debt % Calculation

Affin Bank Bhd's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -2175.302	/	( (3355.45	+	3843.636)	/ 2 )
=	-1 * -2175.302	/	3599.543
=	60.43 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	3355.45	+	0
=	3355.45

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	3843.636	+	0
=	3843.636

Affin Bank Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2024 )	+	Total Debt (Q: Mar. 2025 ))	/ count )
=	-1 * -2039.172	/	( (3843.636	+	3958.255)	/ 2 )
=	-1 * -2039.172	/	3900.9455
=	52.27 %

where

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	3843.636	+	0
=	3843.636

	Total Debt (Q: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	3958.255	+	0
=	3958.255

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Affin Bank Bhd (XKLS:5185) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Affin Bank Bhd Effective Interest Rate on Debt % Related Terms

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Affin Bank Bhd Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Affin Bank Bhd (XKLS:5185) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

Lingkaran TRX, Level 19, Menara AFFIN, Tun Razak Exchange, Kuala Lumpur, SGR, MYS, 55188

Website

https://www.affingroup.com

Affin Bank Bhd is a Malaysia-based bank. It operates in four segments: Commercial Banking focuses on the business of banking in all aspects including Islamic Banking operations; Investment Banking focuses on the business of a merchant bank, stock-broking, and other related financial services; Insurance includes the business of underwriting all classes of general and life insurance businesses in Malaysia; and Others include operation of investment holding companies, money-broking, information technology and other related financial services. The company provides Personal banking and Business banking services. The majority of the group's revenue comes from Commercial Banking within Malaysia.

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