HF Group Income Statement

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	4,629	6,555	5,348	4,364	3,975
Interest Income on Investments	2,885	-	-	-	-
Total Interest Income	7,514	6,555	5,348	4,364	3,975
Interest Paid on Deposits	2,821	3,744	2,655	2,110	2,095
Interest Paid on Borrowings	330.63	-	-	-	-
Total Interest Expense	3,151	3,744	2,655	2,110	2,095
Net Interest Income	4,363	2,811	2,693	2,254	1,880
Net Interest Income Growth (YoY)	55.20%	4.40%	19.47%	19.89%	-0.13%
Income From Trading Activities	-	227.2	174.41	154.86	48.35
Gain (Loss) on Sale of Assets	-	-	3.56	-	1.19
Other Non-Interest Income	1,807	1,042	879.9	728.31	436.49
Total Non-Interest Income	1,807	1,269	1,058	883.17	486.03
Non-Interest Income Growth (YoY)	42.35%	19.98%	19.78%	81.71%	-2.06%
Revenues Before Loan Losses	6,170	4,081	3,751	3,137	2,366
Provision for Loan Losses	408.28	364.46	309.3	194.13	280.65
Revenue	5,762	3,716	3,441	2,943	2,085
Revenue Growth (YoY)	55.04%	7.98%	16.93%	41.13%	5.66%
Salaries and Employee Benefits	2,311	1,894	1,626	1,330	1,183
Occupancy Expenses	153	238.52	364.83	360.78	445.42
Amortization of Goodwill & Intangibles	67.15	-	-	-	-
Selling, General & Administrative	90.78	217.42	122.81	125.68	149.02
Other Non-Interest Expense	1,655	949.09	1,061	928.4	1,158
Total Non-Interest Expense	4,277	3,276	3,143	2,752	2,951
EBT Excluding Unusual Items	1,484	439.99	298.48	191.39	-865.21
Asset Writedown	-	20	36	-1	-100
Other Unusual Items	125.43	-	-	-	-
Pretax Income	1,609	459.99	334.48	190.39	-965.21
Income Tax Expense	187.19	-64.69	-53.67	-75.18	-297.46
Net Income	1,422	524.69	388.16	265.57	-667.75
Net Income to Common	1,422	524.69	388.16	265.57	-667.75
Net Income Growth	171.07%	35.17%	46.16%	-	-
Basic Shares Outstanding	1,896	582	385	385	385
Diluted Shares Outstanding	1,896	582	385	385	385
Shares Change (YoY)	225.60%	51.43%	-	-	-
EPS (Basic)	0.75	0.90	1.01	0.69	-1.74
EPS (Diluted)	0.75	0.90	1.01	0.69	-1.74
EPS Growth	-16.67%	-10.82%	46.16%	-	-
Effective Tax Rate	11.63%	-	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.