HKG:0900 Income Statement

Financials in millions HKD. Fiscal year is March - February.

Millions HKD. Fiscal year is Mar - Feb.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '25 Nov 30, 2025	Feb '25 Feb 28, 2025	Feb '24 Feb 29, 2024	Feb '23 Feb 28, 2023	Feb '22 Feb 28, 2022	Feb '21 Feb 28, 2021
Interest and Dividend Income	1,512	1,477	1,367	1,032	879.27	946.77
Total Interest Expense	119.15	129.79	108.46	44.13	31.83	42.15
Net Interest Income	1,393	1,348	1,259	988.01	847.44	904.62
Commissions and Fees	150.64	142.57	129.17	131.71	103.44	76.99
Other Revenue	168.55	159.42	142.4	91.81	72.68	71.52
Revenue Before Loan Losses	1,712	1,650	1,530	1,212	1,024	1,053
Provision for Loan Losses	387.73	418.99	347.48	139.32	53.74	172.15
Revenue	1,324	1,231	1,183	1,072	969.82	880.98
Revenue Growth (YoY)	10.39%	4.02%	10.33%	10.56%	10.08%	-13.21%
Salaries & Employee Benefits	247.39	240.92	217.61	199.25	162.33	156.97
Cost of Services Provided	335.73	342.48	323.26	302.28	267.24	232.36
Other Operating Expenses	76.55	78.9	71.71	63.12	64.18	65.25
Total Operating Expenses	765.59	768.12	713.02	647.48	577.86	535.9
Operating Income	558.9	462.47	469.96	424.73	391.96	345.08
Earnings From Equity Investments	-	-	-	-	1.16	2.91
Currency Exchange Gain (Loss)	-0.41	-0.12	-0.07	-0.01	0.89	0.06
EBT Excluding Unusual Items	558.49	462.35	469.89	424.72	394	348.05
Gain (Loss) on Sale of Investments	-	-	-	-	7.91	-
Other Unusual Items	0.04	0.04	0.01	2.5	-	11.42
Pretax Income	572.54	476.82	472.53	449.29	397.97	357.95
Income Tax Expense	94.67	76.34	80.26	75.68	55.38	56.37
Net Income	477.87	400.48	392.27	373.61	342.59	301.58
Net Income to Common	477.87	400.48	392.27	373.61	342.59	301.58
Net Income Growth	24.02%	2.09%	4.99%	9.05%	13.60%	-18.51%
Shares Outstanding (Basic)	419	419	419	419	419	419
Shares Outstanding (Diluted)	419	419	419	419	419	419
EPS (Basic)	1.14	0.96	0.94	0.89	0.82	0.72
EPS (Diluted)	1.14	0.96	0.94	0.89	0.82	0.72
EPS Growth	24.02%	2.09%	4.99%	9.05%	13.60%	-18.51%
Free Cash Flow	271.53	121.07	-727.94	-1,073	43.46	1,055
Free Cash Flow Per Share	0.65	0.29	-1.74	-2.56	0.10	2.52
Dividend Per Share	0.500	0.490	0.480	0.440	0.440	0.400
Dividend Growth	4.17%	2.08%	9.09%	-	10.00%	-9.09%
Operating Margin	42.20%	37.58%	39.73%	39.61%	40.41%	39.17%
Profit Margin	36.08%	32.54%	33.16%	34.84%	35.33%	34.23%
Free Cash Flow Margin	20.50%	9.84%	-61.53%	-100.05%	4.48%	119.79%
Effective Tax Rate	16.54%	16.01%	16.98%	16.84%	13.92%	15.75%

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