HSBC Bank Malta p.l.c. (MSE:HSB)

HSBC Bank Malta p.l.c. Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	145.32	192.53	195.86	113.95	103.59
Interest Income on Investments	53.27	39.55	18.02	2.69	2.12
Total Interest Income	198.6	232.09	213.88	116.64	105.71
Interest Paid on Deposits	23.22	26	18.06	8.4	7.95
Net Interest Income	175.37	206.09	195.81	108.24	97.76
Net Interest Income Growth (YoY)	-14.90%	5.25%	80.90%	10.72%	-7.72%
Income From Trading Activities	9.19	9.65	7.62	7.69	5.53
Gain (Loss) on Sale of Assets	0.24	-0.26	-0.14	0.44	0.52
Other Non-Interest Income	34.61	37.12	28.38	29.43	27.48
Total Non-Interest Income	44.04	46.51	35.86	37.56	33.54
Non-Interest Income Growth (YoY)	-5.33%	29.71%	-4.52%	11.99%	19.40%
Revenues Before Loan Losses	219.41	252.6	231.67	145.8	131.29
Provision for Loan Losses	-9.51	-14.64	-4.58	-9.56	-1
Revenue	228.92	267.24	236.25	155.36	132.29
Revenue Growth (YoY)	-14.34%	13.12%	52.07%	17.44%	22.00%
Salaries and Employee Benefits	44.68	42.32	43.01	40.64	39.32
Occupancy Expenses	4.85	3.23	3.17	3.3	3.68
Amortization of Goodwill & Intangibles	10.56	6.77	5.24	4.85	3.88
Selling, General & Administrative	59.95	61.47	51.32	51.94	55.85
Total Non-Interest Expense	120.04	113.79	102.74	100.73	102.72
EBT Excluding Unusual Items	108.88	153.45	133.51	54.63	29.57
Legal Settlements	0.04	0.73	-0.48	-0.9	0.09
Pretax Income	109.04	154.49	133.85	55.59	26.88
Income Tax Expense	37.45	54.39	47.1	19.41	9.13
Net Income	71.59	100.11	86.76	36.18	17.76
Net Income to Common	71.59	100.11	86.76	36.18	17.76
Net Income Growth	-28.48%	15.39%	139.78%	103.78%	134.48%
Basic Shares Outstanding	360	360	360	360	360
Diluted Shares Outstanding	360	360	360	360	360
EPS (Basic)	0.20	0.28	0.24	0.10	0.05
EPS (Diluted)	0.20	0.28	0.24	0.10	0.05
EPS Growth	-28.48%	15.39%	139.78%	103.79%	134.49%
Dividend Per Share	0.184	0.220	0.150	0.056	0.030
Dividend Growth	-16.36%	46.67%	167.38%	87.00%	158.62%
Effective Tax Rate	34.35%	35.20%	35.19%	34.91%	33.95%

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