HKG:0440 Income Statement

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

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	9,954	10,419	12,246	11,600	7,008	5,177
Interest Paid on Deposits	3,870	4,518	6,845	6,649	2,577	1,222
Net Interest Income	6,083	5,901	5,401	4,951	4,431	3,954
Net Interest Income Growth	8.22%	9.26%	9.09%	11.72%	12.07%	6.32%
Income From Trading Activities	210.82	427.13	270.39	193.6	17.39	201.49
Gain (Loss) on Sale of Assets	0.02	-0.03	-1.76	2.83	-2.45	-8.93
Gain (Loss) on Sale of Investments	-111.18	-0.02	-15.06	-552.01	-1,683	-752.21
Other Non-Interest Income	2,179	1,939	1,540	1,099	2,537	1,521
Total Non-Interest Income	2,278	2,366	1,794	743.33	869.1	960.91
Non-Interest Income Growth	-1.32%	31.92%	141.30%	-14.47%	-9.55%	-27.83%
Revenues Before Loan Losses	8,362	8,267	7,194	5,694	5,301	4,915
Provision for Loan Losses	1,778	1,783	1,790	731.51	803.85	372.31
Revenue	6,583	6,483	5,404	4,963	4,497	4,543
Revenue Growth	10.56%	19.97%	8.89%	10.37%	-1.02%	3.17%
Salaries and Employee Benefits	2,437	2,437	2,312	2,154	2,103	2,107
Occupancy Expenses	614.94	614.94	654.52	582.93	638.45	639.26
Selling, General & Administrative	148.24	148.24	146.28	152.63	151.09	144.14
Other Non-Interest Expense	339.34	315.61	310.87	346.31	217.39	314.76
Total Non-Interest Expense	2,766	2,816	2,733	2,534	2,423	2,475
EBT Excluding Unusual Items	3,817	3,668	2,671	2,429	2,074	2,068
Asset Writedown	-100.11	-100.11	-124.35	-72.96	-62.09	-10.64
Other Unusual Items	-	-	-	-	6.01	-
Pretax Income	3,224	3,075	2,547	2,356	2,017	2,058
Income Tax Expense	429.68	383.23	345.72	286.88	380.75	322.93
Earnings From Continuing Operations	2,795	2,691	2,201	2,069	1,637	1,735
Minority Interest in Earnings	-686.22	-634.54	-528.06	-476.79	-412.33	-426.35
Net Income	2,108	2,057	1,673	1,592	1,224	1,308
Net Income to Common	2,095	2,057	1,673	1,592	1,224	1,308
Net Income Growth	6.53%	22.94%	5.09%	30.03%	-6.42%	12.97%
Basic Shares Outstanding	319	319	319	319	320	320
Diluted Shares Outstanding	319	320	320	320	320	320
Shares Change	-0.38%	0.07%	0.10%	0.10%	0.01%	-
EPS (Basic)	6.57	6.45	5.25	4.99	3.83	4.09
EPS (Diluted)	5.62	5.47	4.36	4.11	3.60	4.09
EPS Growth	7.29%	25.38%	6.25%	14.22%	-12.10%	12.86%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	1.420	2.580	2.100	2.000	1.140	1.060
Dividend Growth	-39.32%	22.86%	5.00%	75.44%	7.55%	12.77%
Effective Tax Rate	13.33%	12.46%	13.57%	12.18%	18.87%	15.69%