Hong Kong Finance Group Income Statement

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

Millions HKD. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	150.18	156.28	158.93	160.97	153.49	155.5
Total Interest Expense	10.95	15.71	18.91	20.87	21.11	25.68
Net Interest Income	139.22	140.57	140.02	140.1	132.38	129.83
Other Revenue	-	-	-	-	0.07	1.74
Revenue Before Loan Losses	139.22	140.57	140.02	140.1	132.45	131.57
Provision for Loan Losses	9.86	10.25	17.42	5.76	6.51	-2.39
Revenue	129.36	130.33	122.6	134.35	125.94	133.96
Revenue Growth (YoY)	0.62%	6.30%	-8.74%	6.68%	-5.99%	22.25%
Cost of Services Provided	13.84	14.44	14.63	11.68	53.06	47.34
Other Operating Expenses	51.19	53.95	51.08	42.27	-1.32	-2.16
Total Operating Expenses	65.02	68.39	65.71	53.95	51.74	45.18
Operating Income	64.34	61.94	56.89	80.4	74.2	88.79
Earnings From Equity Investments	-0.06	0.11	-0.02	-0.04	-	-
EBT Excluding Unusual Items	64.28	62.05	56.87	80.36	74.2	88.79
Pretax Income	60.29	57.15	52.51	72.23	83.18	87.8
Income Tax Expense	11.18	10.98	9.81	13.34	12.63	14.58
Net Income	49.11	46.17	42.69	58.89	70.55	73.22
Net Income to Common	49.11	46.17	42.69	58.89	70.55	73.22
Net Income Growth	5.98%	8.15%	-27.50%	-16.53%	-3.64%	31.94%
Shares Outstanding (Basic)	415	415	415	415	415	415
Shares Outstanding (Diluted)	415	415	415	415	415	415
EPS (Basic)	0.12	0.11	0.10	0.14	0.17	0.18
EPS (Diluted)	0.12	0.11	0.10	0.14	0.17	0.18
EPS Growth	5.98%	8.15%	-27.50%	-16.54%	-3.64%	31.94%
Free Cash Flow	86.55	166.14	26.78	129.74	-34.98	219.09
Free Cash Flow Per Share	0.21	0.40	0.07	0.31	-0.08	0.53
Dividend Per Share	0.029	0.026	0.026	0.026	0.026	0.026
Dividend Growth	11.54%	-	-	-	-	-
Operating Margin	49.74%	47.53%	46.40%	59.84%	58.92%	66.28%
Profit Margin	37.96%	35.43%	34.82%	43.83%	56.02%	54.66%
Free Cash Flow Margin	66.91%	127.48%	21.84%	96.58%	-27.78%	163.54%
Effective Tax Rate	18.54%	19.21%	18.69%	18.47%	15.18%	16.60%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.