Public Financial Holdings Balance Sheet

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
Cash & Equivalents	4,750	4,115	5,952	4,175	4,302	5,166
Investment Securities	10,220	10,095	8,537	8,167	8,375	7,931
Trading Asset Securities	1.88	0.31	4.56	10.74	0.34	1.55
Total Investments	10,222	10,096	8,542	8,178	8,376	7,932
Gross Loans	26,070	25,265	24,458	26,084	27,014	27,963
Allowance for Loan Losses	-431.88	-406.14	-349.24	-340.54	-202.72	-184.28
Other Adjustments to Gross Loans	-	-	-	-1,918	-2,224	-1,796
Net Loans	25,638	24,859	24,109	23,825	24,587	25,982
Property, Plant & Equipment	1,220	1,114	970.42	971.08	1,030	992.39
Goodwill	1,964	1,964	1,964	2,774	2,774	2,774
Other Intangible Assets	0.23	0.23	0.23	0.23	0.72	0.72
Investments in Real Estate	437.39	523.45	612.34	525.36	429.32	366.94
Accrued Interest Receivable	73.72	78.4	77.82	189.16	126.41	88.2
Other Receivables	14.74	12.66	22	267.55	256.28	152.46
Long-Term Deferred Tax Assets	81.14	82.33	89.1	48.91	36.39	38.85
Other Real Estate Owned & Foreclosed	141.6	152.22	144.77	-	-	34.15
Other Long-Term Assets	130.77	103.88	360.14	-	-	-
Total Assets	44,674	43,101	42,844	40,955	41,918	43,528
Accounts Payable	-	-	-	-	121.85	13.78
Interest Bearing Deposits	25,761	33,127	32,562	26,992	27,300	27,890
Non-Interest Bearing Deposits	9,120	152.52	133.16	3,012	3,644	4,751
Total Deposits	34,881	33,279	32,695	30,004	30,944	32,641
Short-Term Borrowings	4.12	0.94	14.59	0.04	2	6.75
Current Portion of Long-Term Debt	1,428	1,463	1,620	1,612	1,552	1,580
Current Portion of Leases	36.68	41.2	46.47	39.87	49.62	46.86
Current Income Taxes Payable	15.29	5.71	2.65	-	52.14	72.54
Accrued Interest Payable	-	-	-	237.49	130.92	26.14
Other Current Liabilities	183.2	54.9	-	-	120.77	164.69
Long-Term Leases	35.37	39.47	49.71	57.48	61.13	90.34
Long-Term Deferred Tax Liabilities	68.99	69.38	58.45	54.78	49.77	47.3
Other Long-Term Liabilities	246.15	390.64	656.26	270.88	189.51	269.85
Total Liabilities	36,899	35,344	35,143	32,276	33,273	34,959
Common Stock	109.79	109.79	109.79	109.79	109.79	109.79
Additional Paid-In Capital	4,109	4,109	4,109	4,109	4,109	4,109
Retained Earnings	3,384	3,405	3,399	4,399	4,418	4,265
Comprehensive Income & Other	172.1	132.46	82.67	59.78	7.38	85.14
Shareholders' Equity	7,775	7,757	7,701	8,678	8,645	8,569
Total Liabilities & Equity	44,674	43,101	42,844	40,955	41,918	43,528
Total Debt	1,504	1,545	1,731	1,709	1,665	1,724
Net Cash (Debt)	5,508	5,073	6,131	3,435	3,761	4,889
Net Cash Growth	4.79%	-17.26%	78.50%	-8.69%	-23.06%	-24.27%
Net Cash Per Share	5.02	4.62	5.58	3.13	3.43	4.45
Filing Date Shares Outstanding	1,098	1,098	1,098	1,098	1,098	1,098
Total Common Shares Outstanding	1,098	1,098	1,098	1,098	1,098	1,098
Book Value Per Share	7.08	7.07	7.01	7.90	7.87	7.81
Tangible Book Value	5,811	5,792	5,736	5,904	5,869	5,794
Tangible Book Value Per Share	5.29	5.28	5.22	5.38	5.35	5.28