FRA:FH21 Income Statement

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

Millions HUF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	54,347	53,422	51,645	28,248	13,522	11,449
Interest Income on Investments	6,541	8,085	9,703	4,392	1,182	-
Total Interest Income	60,888	61,507	61,348	32,640	14,704	11,449
Interest Paid on Deposits	-	-	-	-	-	8,237
Interest Paid on Borrowings	47,030	48,672	52,825	26,085	10,456	-
Total Interest Expense	47,030	48,672	52,825	26,085	10,456	8,237
Net Interest Income	13,858	12,835	8,523	6,555	4,248	3,212
Net Interest Income Growth (YoY)	13.75%	50.59%	30.02%	54.31%	32.25%	149.77%
Income From Trading Activities	-	-	-	-	-	611
Gain (Loss) on Sale of Assets	-	-	9	5	-7	157
Gain (Loss) on Sale of Investments	-3,204	-3,778	237	50	-	-
Other Non-Interest Income	1,964	1,419	582	-348	697	712
Total Non-Interest Income	-1,240	-2,359	828	-293	690	1,480
Non-Interest Income Growth (YoY)	-	-	-	-	-53.38%	-38.62%
Revenues Before Loan Losses	12,618	10,476	9,351	6,262	4,938	4,692
Provision for Loan Losses	-549	137	-1,345	557	224	133
Revenue	13,167	10,339	10,696	5,705	4,714	4,559
Revenue Growth (YoY)	13.93%	-3.34%	87.48%	21.02%	3.40%	18.35%
Salaries and Employee Benefits	-	-	-	-	-	207
Occupancy Expenses	-	-	-	-	-	402
Amortization of Goodwill & Intangibles	-	-	-	-	-	25
Selling, General & Administrative	3,306	2,641	2,734	-	450	1,413
Other Non-Interest Expense	18	531	578	3,547	1,409	322
Total Non-Interest Expense	3,324	3,172	3,312	3,547	1,859	2,369
EBT Excluding Unusual Items	9,843	7,167	7,384	2,158	2,855	2,190
Asset Writedown	-	-	-	-	-	-8
Legal Settlements	16	10	1	-	-	-
Other Unusual Items	-	-	-	-	-	-237
Pretax Income	9,859	7,177	7,385	2,158	2,855	1,945
Income Tax Expense	860	580	722	347	110	-428
Earnings From Continuing Operations	8,999	6,597	6,663	1,811	2,745	2,373
Net Income	8,999	6,597	6,663	1,811	2,745	2,373
Preferred Dividends & Other Adjustments	660	660	666	181	275	-
Net Income to Common	8,339	5,937	5,997	1,630	2,470	2,373
Net Income Growth	18.61%	-0.99%	267.92%	-34.03%	15.68%	-89.36%
Basic Shares Outstanding	108	108	108	108	108	108
Diluted Shares Outstanding	108	108	108	108	108	108
Shares Change (YoY)	0.01%	-	-	-	-	-
EPS (Basic)	77.00	54.85	55.41	15.06	22.82	21.92
EPS (Diluted)	76.99	54.84	55.40	15.06	22.82	21.92
EPS Growth	20.47%	-1.01%	267.87%	-34.01%	4.09%	-89.36%
Effective Tax Rate	8.72%	8.08%	9.78%	16.08%	3.85%	-

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