Public Financial Holdings Income Statement

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

Millions HKD. 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	1,941	2,052	1,959	1,501	1,450
Interest Paid on Deposits	787.43	1,069	953.72	349.92	167.83
Net Interest Income	1,154	983.29	1,005	1,151	1,282
Net Interest Income Growth (YoY)	17.33%	-2.16%	-12.68%	-10.22%	3.97%
Gain (Loss) on Sale of Assets	-1.46	-0.02	-0.42	-0.06	-0.01
Other Non-Interest Income	288.14	253.31	234.02	216.85	230.63
Total Non-Interest Income	286.68	253.29	233.6	216.79	230.63
Non-Interest Income Growth (YoY)	13.18%	8.43%	7.75%	-6.00%	-9.47%
Revenues Before Loan Losses	1,440	1,237	1,239	1,368	1,513
Provision for Loan Losses	287.22	499.08	324.44	130.6	90.81
Revenue	1,153	737.5	914.19	1,237	1,422
Revenue Growth (YoY)	56.36%	-19.33%	-26.10%	-12.98%	9.19%
Salaries and Employee Benefits	608.38	569.32	532.85	511.91	525.65
Occupancy Expenses	104.03	103.15	103.58	102.33	101.94
Selling, General & Administrative	91.39	77.89	72.93	75.42	74.82
Other Non-Interest Expense	153.31	140.65	133.73	133.97	128.71
Total Non-Interest Expense	957.12	891	843.1	823.62	831.12
EBT Excluding Unusual Items	196.02	-153.5	71.09	413.49	590.61
Asset Writedown	-77.98	-51.97	-30.45	-13.22	9
Other Unusual Items	1.03	0.06	-	6.24	2.57
Pretax Income	119.06	-1,015	40.63	406.51	602.17
Income Tax Expense	39.41	-16.02	26.25	77.81	105.71
Net Income	79.65	-999.39	14.38	328.7	496.46
Net Income to Common	79.65	-999.39	14.38	328.7	496.46
Net Income Growth	-	-	-95.63%	-33.79%	25.05%
Basic Shares Outstanding	1,098	1,098	1,098	1,098	1,098
Diluted Shares Outstanding	1,098	1,098	1,098	1,098	1,098
EPS (Basic)	0.07	-0.91	0.01	0.30	0.45
EPS (Diluted)	0.07	-0.91	0.01	0.30	0.45
EPS Growth	-	-	-95.65%	-33.85%	25.00%
Dividend Per Share	0.070	-	0.030	0.160	0.200
Dividend Growth	-	-	-81.25%	-20.00%	33.33%
Effective Tax Rate	33.10%	-	64.61%	19.14%	17.55%

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