HKG:0900 Income Statement

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

Millions HKD. Fiscal year is Mar - Feb.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Feb '26 Feb 28, 2026	Feb '25 Feb 28, 2025	Feb '24 Feb 29, 2024	Feb '23 Feb 28, 2023	Feb '22 Feb 28, 2022
Interest and Dividend Income	1,532	1,477	1,367	1,032	879.27
Total Interest Expense	114.76	129.79	108.46	44.13	31.83
Net Interest Income	1,417	1,348	1,259	988.01	847.44
Commissions and Fees	143.44	142.57	129.17	131.71	103.44
Other Revenue	166.98	159.42	142.4	91.81	72.68
Revenue Before Loan Losses	1,728	1,650	1,530	1,212	1,024
Provision for Loan Losses	399.94	418.99	347.48	139.32	53.74
Revenue	1,328	1,231	1,183	1,072	969.82
Revenue Growth (YoY)	7.90%	4.02%	10.33%	10.56%	10.08%
Salaries & Employee Benefits	250.66	240.92	217.61	199.25	162.33
Cost of Services Provided	336.41	342.48	323.26	302.28	267.24
Other Operating Expenses	75.97	78.9	71.71	63.12	64.18
Total Operating Expenses	768.85	768.12	713.02	647.48	577.86
Operating Income	558.94	462.47	469.96	424.73	391.96
Earnings From Equity Investments	-	-	-	-	1.16
Currency Exchange Gain (Loss)	-0.5	-0.12	-0.07	-0.01	0.89
EBT Excluding Unusual Items	558.44	462.35	469.89	424.72	394
Gain (Loss) on Sale of Investments	-	-	-	-	7.91
Other Unusual Items	-	0.04	0.01	2.5	-
Pretax Income	561.84	476.82	472.53	449.29	397.97
Income Tax Expense	93.65	76.34	80.26	75.68	55.38
Net Income	468.2	400.48	392.27	373.61	342.59
Net Income to Common	468.2	400.48	392.27	373.61	342.59
Net Income Growth	16.91%	2.09%	4.99%	9.05%	13.60%
Shares Outstanding (Basic)	419	419	419	419	419
Shares Outstanding (Diluted)	419	419	419	419	419
EPS (Basic)	1.12	0.96	0.94	0.89	0.82
EPS (Diluted)	1.12	0.96	0.94	0.89	0.82
EPS Growth	16.91%	2.09%	4.99%	9.05%	13.60%
Free Cash Flow	65.03	121.07	-727.94	-1,073	43.46
Free Cash Flow Per Share	0.15	0.29	-1.74	-2.56	0.10
Dividend Per Share	0.580	0.490	0.480	0.440	0.440
Dividend Growth	18.37%	2.08%	9.09%	-	10.00%
Operating Margin	42.10%	37.58%	39.73%	39.61%	40.41%
Profit Margin	35.26%	32.54%	33.16%	34.84%	35.33%
Free Cash Flow Margin	4.90%	9.84%	-61.53%	-100.05%	4.48%
Effective Tax Rate	16.67%	16.01%	16.98%	16.84%	13.92%

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