Hemas Holdings Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	-	-	190.23	146.45	80.74	67.21
Interest Income on Investments	-	-	-	0.29	0.19	0.04
Total Interest Income	-	-	190.23	146.74	80.93	67.25
Interest Paid on Deposits	-	-	94.35	50.97	11.35	9.34
Net Interest Income	111.97	113.19	95.88	95.77	69.58	57.91
Net Interest Income Growth (YoY)	10.77%	18.05%	0.11%	37.65%	20.14%	9.78%
Income From Trading Activities	-	-	2.54	2.41	5.59	2.72
Other Non-Interest Income	36.8	36.49	30.44	21.08	23.78	22.32
Total Non-Interest Income	36.8	36.49	32.98	23.49	29.37	25.04
Non-Interest Income Growth (YoY)	20.71%	10.66%	40.40%	-20.04%	17.30%	0.94%
Revenues Before Loan Losses	148.77	149.68	128.85	119.26	98.95	82.95
Provision for Loan Losses	30.75	32.09	9.86	8.12	8.34	-8.29
Revenue	118.02	117.59	119	111.14	90.61	91.24
Revenue Growth (YoY)	-8.22%	-1.19%	7.07%	22.67%	-0.70%	26.85%
Salaries and Employee Benefits	47.56	45.45	40.7	38.16	36.22	30.68
Occupancy Expenses	-	-	1.61	1.51	1.34	0.88
Selling, General & Administrative	28.2	27.81	25.02	22.07	20.42	17.71
Other Non-Interest Expense	13.63	14.74	24.39	22.66	12.23	22.27
Total Non-Interest Expense	89.39	88	91.71	84.4	70.21	71.53
EBT Excluding Unusual Items	28.63	29.59	27.29	26.75	20.4	19.71
Pretax Income	28.63	29.59	27.29	26.75	20.4	19.71
Income Tax Expense	14.01	14.71	15.7	15.95	10.51	10.54
Net Income	14.63	14.88	11.59	10.8	9.89	9.17
Net Income to Common	14.63	14.88	11.59	10.8	9.89	9.17
Net Income Growth	3.26%	28.42%	7.34%	9.17%	7.82%	11.79%
Basic Shares Outstanding	-	-	8	8	8	8
Diluted Shares Outstanding	-	-	8	8	8	8
Shares Change (YoY)	-	-	-	-	0.09%	-0.53%
EPS (Basic)	-	-	1.49	1.39	1.27	1.18
EPS (Diluted)	-	-	1.49	1.39	1.27	1.18
EPS Growth	-	-	7.34%	9.17%	7.72%	12.39%
Dividend Per Share	-	-	0.500	0.500	0.450	0.450
Dividend Growth	-	-	-	11.11%	-	12.50%
Effective Tax Rate	48.91%	49.71%	57.54%	59.64%	51.52%	53.47%