Heartland Group Holdings Income Statement

Financials in millions NZD. Fiscal year is July - June.

Millions NZD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest Income on Loans	674.22	705.87	661.03	527.71	342.1	327.94
Interest Paid on Deposits	350.13	398.56	383.39	245.72	91.96	94.42
Net Interest Income	324.09	307.31	277.65	281.99	250.14	233.52
Net Interest Income Growth (YoY)	12.52%	10.68%	-1.54%	12.73%	7.12%	7.77%
Gain (Loss) on Sale of Assets	0.6	0.6	0.68	0.99	1.12	1.1
Gain (Loss) on Sale of Investments	3.25	0.02	-0.31	-4.49	-13	4.25
Other Non-Interest Income	14.65	14.46	12.34	6.82	29.35	12.33
Total Non-Interest Income	18.5	15.08	12.71	3.33	17.48	17.67
Non-Interest Income Growth (YoY)	28.99%	18.68%	282.00%	-80.96%	-1.11%	-5.37%
Revenues Before Loan Losses	342.59	322.39	290.35	285.32	267.62	251.19
Provision for Loan Losses	33.89	71.64	46.42	23.24	13.82	14.97
Revenue	308.7	250.75	243.93	262.07	253.79	236.21
Revenue Growth (YoY)	34.54%	2.80%	-6.92%	3.26%	7.44%	14.71%
Salaries and Employee Benefits	-3.65	-	72.03	68.66	60.77	63.01
Occupancy Expenses	-0.13	-	7.65	6.18	6.25	5.31
Amortization of Goodwill & Intangibles	-0.14	-	5.52	5.68	5.92	9.31
Selling, General & Administrative	10.75	6.18	40.16	34.01	30.44	25.23
Other Non-Interest Expense	170.56	176.05	16.84	13.45	11.46	14.8
Total Non-Interest Expense	178.12	182.95	139.39	128.08	116.75	117.66
EBT Excluding Unusual Items	130.58	67.81	104.55	133.99	137.04	118.56
Other Unusual Items	-1.8	-1.8	-	-	-	-
Pretax Income	119.98	57.21	104.55	133.99	137.04	118.56
Income Tax Expense	35.94	18.39	30	38.13	41.92	31.53
Net Income	84.05	38.81	74.55	95.87	95.13	87.03
Net Income to Common	84.05	38.81	74.55	95.87	95.13	87.03
Net Income Growth	107.21%	-47.94%	-22.24%	0.78%	9.31%	20.92%
Basic Shares Outstanding	940	937	757	687	590	583
Diluted Shares Outstanding	940	937	757	687	590	583
Shares Change (YoY)	8.13%	23.72%	10.23%	16.45%	1.08%	1.13%
EPS (Basic)	0.09	0.04	0.10	0.14	0.16	0.15
EPS (Diluted)	0.09	0.04	0.10	0.14	0.16	0.15
EPS Growth	91.52%	-57.96%	-29.46%	-13.46%	8.14%	24.29%
Dividend Per Share	0.055	0.040	0.070	0.115	0.110	0.110
Dividend Growth	10.00%	-42.86%	-39.13%	4.54%	-	57.14%
Effective Tax Rate	29.95%	32.15%	28.69%	28.45%	30.59%	26.60%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.