HKG:0900 Income Statement

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

Millions HKD. Fiscal year is Mar - Feb.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	May '26 May 31, 2026	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	1,566	1,532	1,477	1,367	1,032	879.27
Total Interest Expense	110.79	114.76	129.79	108.46	44.13	31.83
Net Interest Income	1,455	1,417	1,348	1,259	988.01	847.44
Commissions and Fees	144.58	143.44	142.57	129.17	131.71	103.44
Other Revenue	164.81	166.98	159.42	142.4	91.81	72.68
Revenue Before Loan Losses	1,765	1,728	1,650	1,530	1,212	1,024
Provision for Loan Losses	394.48	399.94	418.99	347.48	139.32	53.74
Revenue	1,370	1,328	1,231	1,183	1,072	969.82
Revenue Growth (YoY)	8.82%	7.90%	4.02%	10.33%	10.56%	10.08%
Salaries & Employee Benefits	253.78	250.66	240.92	217.61	199.25	162.33
Cost of Services Provided	345.18	336.41	342.48	323.26	302.28	267.24
Other Operating Expenses	75.84	75.97	78.9	71.71	63.12	64.18
Total Operating Expenses	779.58	768.85	768.12	713.02	647.48	577.86
Operating Income	590.46	558.94	462.47	469.96	424.73	391.96
Earnings From Equity Investments	-	-	-	-	-	1.16
Currency Exchange Gain (Loss)	-0.67	-0.5	-0.12	-0.07	-0.01	0.89
EBT Excluding Unusual Items	589.78	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	593.43	561.84	476.82	472.53	449.29	397.97
Income Tax Expense	98.58	93.65	76.34	80.26	75.68	55.38
Net Income	494.85	468.2	400.48	392.27	373.61	342.59
Net Income to Common	494.85	468.2	400.48	392.27	373.61	342.59
Net Income Growth	16.01%	16.91%	2.09%	4.99%	9.05%	13.60%
Shares Outstanding (Basic)	419	419	419	419	419	419
Shares Outstanding (Diluted)	419	419	419	419	419	419
Shares Change (YoY)	0.01%	-	-	-	-	-
EPS (Basic)	1.18	1.12	0.96	0.94	0.89	0.82
EPS (Diluted)	1.18	1.12	0.96	0.94	0.89	0.82
EPS Growth	16.00%	16.91%	2.09%	4.99%	9.05%	13.60%
Free Cash Flow	36.29	65.03	121.07	-727.94	-1,073	43.46
Free Cash Flow Per Share	0.09	0.15	0.29	-1.74	-2.56	0.10
Dividend Per Share	0.580	0.580	0.490	0.480	0.440	0.440
Dividend Growth	18.37%	18.37%	2.08%	9.09%	-	10.00%
Operating Margin	43.10%	42.10%	37.58%	39.73%	39.61%	40.41%
Profit Margin	36.12%	35.26%	32.54%	33.16%	34.84%	35.33%
Free Cash Flow Margin	2.65%	4.90%	9.84%	-61.53%	-100.05%	4.48%
Effective Tax Rate	16.61%	16.67%	16.01%	16.98%	16.84%	13.92%