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	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	163.2	192.53	195.86	113.95	103.59	109.06
Interest Income on Investments	50.96	39.55	18.02	2.69	2.12	4.58
Total Interest Income	214.16	232.09	213.88	116.64	105.71	113.63
Interest Paid on Deposits	24.87	26	18.06	8.4	7.95	7.7
Net Interest Income	189.3	206.09	195.81	108.24	97.76	105.94
Net Interest Income Growth (YoY)	-11.03%	5.25%	80.90%	10.72%	-7.72%	-3.82%
Income From Trading Activities	9.84	9.65	7.62	7.69	5.53	8.52
Gain (Loss) on Sale of Assets	-0.26	-0.26	-0.14	0.44	0.52	-0.95
Other Non-Interest Income	40.08	37.12	28.38	29.43	27.48	20.53
Total Non-Interest Income	49.66	46.51	35.86	37.56	33.54	28.09
Non-Interest Income Growth (YoY)	22.98%	29.71%	-4.52%	11.99%	19.40%	-32.55%
Revenues Before Loan Losses	238.96	252.6	231.67	145.8	131.29	134.02
Provision for Loan Losses	-10.7	-14.64	-4.58	-9.56	-1	25.59
Revenue	249.65	267.24	236.25	155.36	132.29	108.43
Revenue Growth (YoY)	-4.77%	13.12%	52.07%	17.44%	22.00%	-28.38%
Salaries and Employee Benefits	43.67	42.32	43.01	40.64	39.32	43.17
Occupancy Expenses	3.6	3.23	3.17	3.3	3.68	3.85
Amortization of Goodwill & Intangibles	7.06	6.77	5.24	4.85	3.88	2.75
Selling, General & Administrative	61.76	61.47	51.32	51.94	55.85	47.04
Total Non-Interest Expense	116.1	113.79	102.74	100.73	102.72	96.81
EBT Excluding Unusual Items	133.56	153.45	133.51	54.63	29.57	11.63
Asset Writedown	-	-	-	-	-	-0.6
Legal Settlements	0.73	0.73	-0.48	-0.9	0.09	-0.21
Pretax Income	134.6	154.49	133.85	55.59	26.88	10.44
Income Tax Expense	46.96	54.39	47.1	19.41	9.13	2.87
Net Income	87.63	100.11	86.76	36.18	17.76	7.57
Net Income to Common	87.63	100.11	86.76	36.18	17.76	7.57
Net Income Growth	-11.46%	15.39%	139.78%	103.78%	134.48%	-62.46%
Basic Shares Outstanding	353	360	360	360	360	360
Diluted Shares Outstanding	353	360	360	360	360	360
Shares Change (YoY)	-3.66%	-	-	-	-	-
EPS (Basic)	0.25	0.28	0.24	0.10	0.05	0.02
EPS (Diluted)	0.25	0.28	0.24	0.10	0.05	0.02
EPS Growth	-8.10%	15.39%	139.78%	103.79%	134.49%	-62.46%
Dividend Per Share	0.220	0.220	0.150	0.056	0.030	0.012
Dividend Growth	15.79%	46.67%	167.38%	87.00%	158.62%	-31.77%
Effective Tax Rate	34.89%	35.20%	35.19%	34.91%	33.95%	27.49%

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