HFCB Group Plc (NASE:HFCB)

HFCB Group Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	7,629	7,651	6,555	5,348	4,364	3,975
Interest Paid on Deposits	3,226	3,151	3,744	2,655	2,110	2,095
Net Interest Income	5,100	4,500	2,811	2,693	2,254	1,880
Net Interest Income Growth	44.82%	60.06%	4.40%	19.47%	19.89%	-0.13%
Income From Trading Activities	258.99	258.99	227.2	174.41	154.86	48.35
Gain (Loss) on Sale of Assets	-	-	-	3.56	-	1.19
Other Non-Interest Income	1,965	1,649	1,042	879.9	728.31	436.49
Total Non-Interest Income	2,224	1,908	1,269	1,058	883.17	486.03
Non-Interest Income Growth	59.18%	50.34%	19.98%	19.78%	81.71%	-2.06%
Revenues Before Loan Losses	7,325	6,408	4,081	3,751	3,137	2,366
Provision for Loan Losses	471.5	408.28	364.46	309.3	194.13	280.65
Revenue	6,853	6,000	3,716	3,441	2,943	2,085
Revenue Growth	51.91%	61.45%	7.98%	16.93%	41.13%	5.66%
Salaries and Employee Benefits	2,622	2,318	1,894	1,626	1,330	1,183
Occupancy Expenses	231.21	220.15	238.52	364.83	360.78	445.42
Amortization of Goodwill & Intangibles	1.38	-	-	-	-	-
Selling, General & Administrative	289.95	289.26	148.07	122.81	125.68	149.02
Other Non-Interest Expense	1,703	1,688	1,018	1,061	928.4	1,158
Total Non-Interest Expense	4,722	4,390	3,276	3,143	2,752	2,951
EBT Excluding Unusual Items	2,131	1,609	439.99	298.48	191.39	-865.21
Asset Writedown	-	-	20	36	-1	-100
Pretax Income	2,131	1,609	459.99	334.48	190.39	-965.21
Income Tax Expense	335.09	187.19	-64.69	-53.67	-75.18	-297.46
Net Income	1,796	1,422	524.69	388.16	265.57	-667.75
Net Income to Common	1,796	1,422	524.69	388.16	265.57	-667.75
Net Income Growth	103.49%	171.07%	35.17%	46.16%	-	-
Basic Shares Outstanding	2,354	1,885	582	385	385	385
Diluted Shares Outstanding	2,354	1,885	582	385	385	385
Shares Change	24.87%	223.73%	51.43%	-	-	-
EPS (Basic)	0.76	0.75	0.90	1.01	0.69	-1.74
EPS (Diluted)	0.76	0.75	0.90	1.01	0.69	-1.74
EPS Growth	62.31%	-16.67%	-10.82%	46.16%	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	15.72%	11.63%	-	-	-	-

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 8, 2026

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