HF Group Income Statement

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	6,515	6,555	5,348	4,364	3,975	4,282
Interest Paid on Deposits	3,440	3,744	2,655	2,110	2,095	2,399
Net Interest Income	4,052	2,811	2,693	2,254	1,880	1,882
Net Interest Income Growth (YoY)	47.72%	4.40%	19.47%	19.89%	-0.13%	-6.73%
Income From Trading Activities	227.2	227.2	174.41	154.86	48.35	85.27
Gain (Loss) on Sale of Assets	-	-	3.56	-	1.19	0.01
Other Non-Interest Income	1,330	1,042	879.9	728.31	436.49	410.99
Total Non-Interest Income	1,558	1,269	1,058	883.17	486.03	496.26
Non-Interest Income Growth (YoY)	34.68%	19.98%	19.78%	81.71%	-2.06%	-63.31%
Revenues Before Loan Losses	5,610	4,081	3,751	3,137	2,366	2,379
Provision for Loan Losses	415.95	364.46	309.3	194.13	280.65	405.07
Revenue	5,194	3,716	3,441	2,943	2,085	1,974
Revenue Growth (YoY)	45.13%	7.98%	16.93%	41.13%	5.66%	-35.75%
Salaries and Employee Benefits	2,161	1,894	1,626	1,330	1,183	1,227
Occupancy Expenses	228.88	238.52	364.83	360.78	445.42	500.39
Amortization of Goodwill & Intangibles	-13.85	-	-	-	-	-
Selling, General & Administrative	213.33	217.42	122.81	125.68	149.02	128.76
Other Non-Interest Expense	1,361	949.09	1,061	928.4	1,158	1,797
Total Non-Interest Expense	3,927	3,276	3,143	2,752	2,951	3,750
EBT Excluding Unusual Items	1,267	439.99	298.48	191.39	-865.21	-1,776
Asset Writedown	20	20	36	-1	-100	-
Pretax Income	1,287	459.99	334.48	190.39	-965.21	-1,776
Income Tax Expense	257.2	-64.69	-53.67	-75.18	-297.46	-69.02
Net Income	1,030	524.69	388.16	265.57	-667.75	-1,707
Net Income to Common	1,030	524.69	388.16	265.57	-667.75	-1,707
Net Income Growth	62.09%	35.17%	46.16%	-	-	-
Basic Shares Outstanding	1,885	582	385	385	385	385
Diluted Shares Outstanding	1,885	582	385	385	385	385
Shares Change (YoY)	390.23%	51.43%	-	-	-	-
EPS (Basic)	0.55	0.90	1.01	0.69	-1.74	-4.44
EPS (Diluted)	0.55	0.90	1.01	0.69	-1.74	-4.44
EPS Growth	-66.95%	-10.82%	46.16%	-	-	-
Effective Tax Rate	19.98%	-	-	-	-	-

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