Banco Hipotecario Income Statement

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

Millions ARS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	732,945	1,330,254	1,353,741	287,168	90,409
Interest Income on Investments	-	-	41,236	-	-
Total Interest Income	732,945	1,330,254	1,394,977	287,168	90,409
Interest Paid on Deposits	740,199	1,274,512	1,471,081	330,226	90,138
Total Interest Expense	740,199	1,274,512	1,471,081	330,226	90,138
Net Interest Income	-7,253	55,742	-76,103	-43,059	270.71
Gain (Loss) on Sale of Assets	-56.94	-10,204	2,958	5.07	14.37
Gain (Loss) on Sale of Investments	-	-	744,067	-	-
Other Non-Interest Income	564,729	1,002,695	81,287	318,211	57,938
Total Non-Interest Income	564,672	992,491	828,312	318,216	57,953
Non-Interest Income Growth (YoY)	-43.11%	19.82%	160.30%	449.10%	76.10%
Revenues Before Loan Losses	557,418	1,048,233	752,209	275,158	58,223
Provision for Loan Losses	87,123	20,147	-	5,630	5,197
Revenue	470,295	1,028,086	752,209	269,528	53,026
Revenue Growth (YoY)	-54.25%	36.68%	179.08%	408.30%	78.31%
Salaries and Employee Benefits	149,620	229,456	151,305	69,420	20,910
Occupancy Expenses	10,149	12,547	9,253	5,510	2,106
Selling, General & Administrative	77,267	84,489	51,786	28,542	9,495
Other Non-Interest Expense	252,113	509,718	412,436	123,029	28,570
Total Non-Interest Expense	489,149	836,209	624,780	226,501	61,081
EBT Excluding Unusual Items	-18,854	191,877	127,429	43,027	-8,055
Asset Writedown	1,964	-1,017	1,915	-1,172	-424.6
Pretax Income	-16,891	190,859	129,344	41,854	-8,480
Income Tax Expense	-41,746	76,600	14,550	23,423	-186.08
Earnings From Continuing Operations	24,855	114,259	114,794	18,431	-8,294
Minority Interest in Earnings	328.03	-8,235	-2,206	423.99	109.85
Net Income	25,183	106,024	112,588	18,855	-8,184
Net Income to Common	25,183	106,024	112,588	18,855	-8,184
Net Income Growth	-76.25%	-5.83%	497.12%	-	-
Basic Shares Outstanding	1,480	1,478	1,475	1,473	1,471
Diluted Shares Outstanding	1,480	1,478	1,475	1,473	1,471
Shares Change (YoY)	0.18%	0.19%	0.11%	0.13%	0.06%
EPS (Basic)	17.01	71.75	76.33	12.80	-5.56
EPS (Diluted)	17.01	71.75	76.33	12.80	-5.56
EPS Growth	-76.29%	-6.00%	496.43%	-	-
Dividend Per Share	-	48.154	19.841	-	-
Dividend Growth	-	142.70%	-	-	-
Effective Tax Rate	-	40.13%	11.25%	55.96%	-

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