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	Aug '26 Aug 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	1,599	1,532	1,477	1,367	1,032	879.27
Total Interest Expense	115.36	114.76	129.79	108.46	44.13	31.83
Net Interest Income	1,484	1,417	1,348	1,259	988.01	847.44
Commissions and Fees	141.2	143.44	142.57	129.17	131.71	103.44
Other Revenue	167.56	166.98	159.42	142.4	91.81	72.68
Revenue Before Loan Losses	1,792	1,728	1,650	1,530	1,212	1,024
Provision for Loan Losses	404.33	399.94	418.99	347.48	139.32	53.74
Revenue	1,388	1,328	1,231	1,183	1,072	969.82
Revenue Growth	6.59%	7.90%	4.02%	10.33%	10.56%	10.08%
Salaries & Employee Benefits	256.4	250.66	240.92	217.61	199.25	162.33
Cost of Services Provided	362.54	336.41	342.48	323.26	302.28	267.24
Other Operating Expenses	75.57	75.97	78.9	71.71	63.12	64.18
Total Operating Expenses	798.7	768.85	768.12	713.02	647.48	577.86
Operating Income	589.32	558.94	462.47	469.96	424.73	391.96
Earnings From Equity Investments	-	-	-	-	-	1.16
Currency Exchange Gain (Loss)	-0.62	-0.5	-0.12	-0.07	-0.01	0.89
EBT Excluding Unusual Items	588.7	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	592.56	561.84	476.82	472.53	449.29	397.97
Income Tax Expense	99.14	93.65	76.34	80.26	75.68	55.38
Net Income	493.42	468.2	400.48	392.27	373.61	342.59
Net Income to Common	493.42	468.2	400.48	392.27	373.61	342.59
Net Income Growth	6.40%	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	-	-	-	-	-	-
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	6.40%	16.91%	2.09%	4.99%	9.05%	13.60%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 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
Free Cash Flow	224.46	65.03	121.07	-727.94	-1,073	43.46
Free Cash Flow Per Share	0.54	0.15	0.29	-1.74	-2.56	0.10
Dividend Per Share	0.660	0.580	0.490	0.480	0.440	0.440
Dividend Growth	32.00%	18.37%	2.08%	9.09%	0%	10.00%
Operating Margin	42.46%	42.10%	37.58%	39.73%	39.61%	40.41%
Profit Margin	35.55%	35.26%	32.54%	33.16%	34.84%	35.33%
Free Cash Flow Margin	16.17%	4.90%	9.84%	-61.53%	-100.05%	4.48%
Effective Tax Rate	16.73%	16.67%	16.01%	16.98%	16.84%	13.92%