Hellenic Bank Public Company Limited (CYS:HB)

CYS:HB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	675.19	717.29	660.01	330.92	288.15	312.12
Interest Income on Investments	12.28	12.28	20.28	10.53	1.84	2.23
Total Interest Income	687.47	729.57	680.29	341.45	289.99	314.35
Interest Paid on Deposits	98.18	120.38	131.26	36.24	26.73	23.34
Interest Paid on Borrowings	10.28	10.28	12.74	4.34	7.26	5.56
Total Interest Expense	108.46	130.66	144	40.58	33.99	28.9
Net Interest Income	579.01	598.91	536.29	300.87	256	285.45
Net Interest Income Growth (YoY)	-0.03%	11.68%	78.25%	17.52%	-10.32%	-5.25%
Gain (Loss) on Sale of Assets	6.35	6.35	4.98	6.65	6.5	3.79
Gain (Loss) on Sale of Investments	-0.51	0.99	4.83	-0.24	5.87	0.33
Other Non-Interest Income	120.84	123.54	122.12	95.24	96.28	101.68
Total Non-Interest Income	126.68	130.88	131.93	101.66	108.65	105.8
Non-Interest Income Growth (YoY)	-5.70%	-0.80%	29.78%	-6.44%	2.69%	4.54%
Revenues Before Loan Losses	705.69	729.79	668.22	402.53	364.65	391.25
Provision for Loan Losses	-12.39	-13.79	7.24	18.17	102.04	58.84
Revenue	718.08	743.58	660.98	384.36	262.61	332.41
Revenue Growth (YoY)	0.71%	12.50%	71.97%	46.36%	-21.00%	-12.34%
Salaries and Employee Benefits	138.26	134.16	119.31	141.73	133.74	131.12
Occupancy Expenses	20.16	20.36	22.33	24.01	24.56	23.34
Selling, General & Administrative	130.41	132.63	110.8	97.3	100.53	109.59
Other Non-Interest Expense	8.05	7.85	8.13	6.8	4.64	4.44
Total Non-Interest Expense	296.87	294.99	260.57	269.83	263.48	268.5
EBT Excluding Unusual Items	421.21	448.59	400.42	114.53	-0.86	63.91
Asset Writedown	-0.46	-0.46	-0.14	-0.39	-1.19	-3.66
Legal Settlements	1.77	1.47	-0.19	0.47	1.18	0.74
Other Unusual Items	-	-	-	4.78	-	-
Pretax Income	391.75	444.05	393.62	39.44	-7	60.22
Income Tax Expense	57.86	61.46	47.36	10.17	-2.7	9.99
Earnings From Continuing Operations	333.89	382.59	346.26	29.27	-4.31	50.22
Earnings From Discontinued Operations	-	-	19.18	-7.46	-7.37	0.26
Minority Interest in Earnings	0	0	0	-0	-0	-0
Net Income	333.89	382.59	365.44	21.81	-11.68	50.48
Net Income to Common	333.89	382.59	365.44	21.81	-11.68	50.48
Net Income Growth	-14.18%	4.69%	1575.57%	-	-	-53.13%
Basic Shares Outstanding	413	413	413	413	413	413
Diluted Shares Outstanding	413	413	433	433	413	433
Shares Change (YoY)	-4.61%	-4.61%	-	4.83%	-4.61%	18.64%
EPS (Basic)	0.81	0.93	0.89	0.05	-0.03	0.12
EPS (Diluted)	0.81	0.93	0.83	0.05	-0.03	0.12
EPS Growth	-8.22%	12.11%	1541.40%	-	-	-60.51%
Effective Tax Rate	14.77%	13.84%	12.03%	25.78%	-	16.60%

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