Banco Hipotecario S.A. (BCBA:BHIP)

Banco Hipotecario Income Statement

Financials in millions ARS. 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	365,778	1,006,767	1,353,741	287,168	90,409	29,857
Interest Income on Investments	11,396	11,396	41,236	-	-	-
Total Interest Income	377,174	1,018,163	1,394,977	287,168	90,409	29,857
Interest Paid on Deposits	441,889	968,851	1,471,081	330,226	90,138	29,958
Total Interest Expense	441,889	968,851	1,471,081	330,226	90,138	29,958
Net Interest Income	-64,715	49,311	-76,103	-43,059	270.71	-100.7
Gain (Loss) on Sale of Assets	1,373	-	2,958	5.07	14.37	97.89
Gain (Loss) on Sale of Investments	607,725	607,725	744,067	-	-	-
Other Non-Interest Income	-187,412	78,114	81,287	318,211	57,938	32,812
Total Non-Interest Income	421,685	685,838	828,312	318,216	57,953	32,910
Non-Interest Income Growth (YoY)	-46.49%	-17.20%	160.30%	449.10%	76.10%	27.75%
Revenues Before Loan Losses	356,971	735,150	752,209	275,158	58,223	32,809
Provision for Loan Losses	36,448	-	-	5,630	5,197	3,071
Revenue	320,522	735,150	752,209	269,528	53,026	29,738
Revenue Growth (YoY)	-67.27%	-2.27%	179.08%	408.30%	78.31%	25.29%
Salaries and Employee Benefits	119,754	164,835	151,305	69,420	20,910	10,302
Occupancy Expenses	7,664	8,354	9,253	5,510	2,106	1,270
Selling, General & Administrative	44,985	45,561	51,786	28,542	9,495	6,309
Other Non-Interest Expense	159,326	380,864	412,436	123,029	28,570	9,359
Total Non-Interest Expense	331,729	599,615	624,780	226,501	61,081	27,240
EBT Excluding Unusual Items	-11,206	135,535	127,429	43,027	-8,055	2,498
Asset Writedown	2,740	-773.4	1,915	-1,172	-424.6	192.56
Pretax Income	-8,466	134,761	129,344	41,854	-8,480	2,690
Income Tax Expense	-27,906	54,727	14,550	23,423	-186.08	1,225
Earnings From Continuing Operations	19,440	80,035	114,794	18,431	-8,294	1,465
Minority Interest in Earnings	-2,214	-5,984	-2,206	423.99	109.85	-81.66
Net Income	17,226	74,051	112,588	18,855	-8,184	1,383
Net Income to Common	17,226	74,051	112,588	18,855	-8,184	1,383
Net Income Growth	-86.97%	-34.23%	497.12%	-	-	-
Basic Shares Outstanding	1,480	1,478	1,475	1,473	1,471	1,470
Diluted Shares Outstanding	1,480	1,478	1,475	1,473	1,471	1,470
Shares Change (YoY)	0.20%	0.19%	0.11%	0.13%	0.06%	0.13%
EPS (Basic)	11.64	50.11	76.33	12.80	-5.56	0.94
EPS (Diluted)	11.64	50.11	76.33	12.80	-5.56	0.94
EPS Growth	-86.99%	-34.35%	496.43%	-	-	-
Dividend Per Share	48.154	48.154	19.841	-	-	-
Dividend Growth	142.70%	142.70%	-	-	-	-
Effective Tax Rate	-	40.61%	11.25%	55.96%	-	45.55%

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